Call reports 2005
VILLAGE BANK & TRUST, NATIONAL ASSOCIATION — 2005
What VILLAGE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 213,294,000 | 520,455,000 | 545,961,000 | 603,605,000 |
| Total loans | 95,935,000 | 281,050,000 | 276,852,000 | 284,449,000 |
| Allowance for loan losses | 677,000 | 2,667,000 | 2,280,000 | 2,444,000 |
| Securities available for sale | 64,924,000 | 124,657,000 | 135,312,000 | 162,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,714,000 | 392,725,000 | 441,814,000 | 498,534,000 |
| Interest-bearing deposits | 156,679,000 | 319,352,000 | 392,448,000 | 452,561,000 |
| Noninterest-bearing deposits | 16,035,000 | 73,373,000 | 49,366,000 | 45,973,000 |
| Equity capital | 17,048,000 | 68,652,000 | 69,109,000 | 69,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,088,000 | 11,971,000 | 18,248,000 | 25,820,000 |
| Interest expense | 1,093,000 | 4,968,000 | 7,922,000 | 12,299,000 |
| Net interest income | 995,000 | 7,003,000 | 10,326,000 | 13,521,000 |
| Noninterest income | 512,000 | 1,127,000 | 1,612,000 | 2,021,000 |
| Noninterest expense | 1,148,000 | 4,968,000 | 7,554,000 | 9,963,000 |
| Provision for loan losses | 98,000 | 308,000 | 478,000 | 478,000 |
| Pretax income | 261,000 | 2,910,000 | 3,967,000 | 5,160,000 |
| Income tax | 93,000 | 795,000 | 1,174,000 | 1,590,000 |
| Net income | 168,000 | 2,115,000 | 2,793,000 | 3,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,979,000 | 33,090,000 | 33,882,000 | 34,431,000 |
| Total capital | 13,656,000 | 35,757,000 | 36,162,000 | 36,877,000 |
| Risk-weighted assets | 111,668,000 | 319,898,000 | 326,514,000 | 349,091,000 |