Call reports 2004
VILLAGE BANK & TRUST, S.S.B. — 2004
What VILLAGE BANK & TRUST, S.S.B. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 110,385,000 | 110,866,000 |
| Total loans | 80,170,000 | 79,344,000 |
| Allowance for loan losses | 773,000 | 717,000 |
| Securities available for sale | 14,444,000 | 12,401,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 96,744,000 | 97,297,000 |
| Interest-bearing deposits | 83,218,000 | 82,810,000 |
| Noninterest-bearing deposits | 13,526,000 | 14,487,000 |
| Equity capital | 10,467,000 | 10,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Interest income | 1,480,000 | 2,953,000 |
| Interest expense | 474,000 | 917,000 |
| Net interest income | 1,006,000 | 2,036,000 |
| Noninterest income | 179,000 | 357,000 |
| Noninterest expense | 945,000 | 1,982,000 |
| Provision for loan losses | -45,000 | -16,000 |
| Pretax income | 285,000 | 427,000 |
| Income tax | 97,000 | 97,000 |
| Net income | 188,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 10,111,000 | 10,271,000 |
| Total capital | 10,884,000 | 10,988,000 |
| Risk-weighted assets | 82,988,000 | 81,796,000 |