Call reports 2004
VILLAGE BANK & TRUST, NATIONAL ASSOCIATION — 2004
What VILLAGE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 130,132,000 | 162,331,000 | 163,949,000 | 173,059,000 |
| Total loans | 76,197,000 | 92,789,000 | 91,030,000 | 87,153,000 |
| Allowance for loan losses | 722,000 | 740,000 | 757,000 | 710,000 |
| Securities available for sale | 13,362,000 | 45,819,000 | 38,961,000 | 67,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,907,000 | 141,771,000 | 142,643,000 | 153,310,000 |
| Interest-bearing deposits | 100,871,000 | 130,067,000 | 131,103,000 | 143,098,000 |
| Noninterest-bearing deposits | 11,036,000 | 11,704,000 | 11,540,000 | 10,212,000 |
| Equity capital | 15,052,000 | 14,854,000 | 15,915,000 | 16,107,000 |
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 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,195,000 | 2,770,000 | 4,504,000 | 6,374,000 |
| Interest expense | 334,000 | 1,011,000 | 1,810,000 | 2,688,000 |
| Net interest income | 861,000 | 1,759,000 | 2,694,000 | 3,686,000 |
| Noninterest income | 269,000 | 756,000 | 1,310,000 | 1,936,000 |
| Noninterest expense | 833,000 | 1,732,000 | 2,686,000 | 3,759,000 |
| Provision for loan losses | 108,000 | 139,000 | 180,000 | 229,000 |
| Pretax income | 196,000 | 651,000 | 1,147,000 | 1,623,000 |
| Income tax | 79,000 | 263,000 | 462,000 | 618,000 |
| Net income | 117,000 | 388,000 | 685,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,286,000 | 10,510,000 | 10,847,000 | 11,178,000 |
| Total capital | 10,008,000 | 11,250,000 | 11,604,000 | 11,888,000 |
| Risk-weighted assets | 82,336,000 | 104,061,000 | 101,819,000 | 106,204,000 |