Call reports 2006
VILLAGE BANK & TRUST, NATIONAL ASSOCIATION — 2006
What VILLAGE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 613,101,000 | 610,116,000 | 624,159,000 | 635,146,000 |
| Total loans | 310,063,000 | 319,942,000 | 327,513,000 | 351,720,000 |
| Allowance for loan losses | 2,405,000 | 2,447,000 | 2,438,000 | 2,551,000 |
| Securities available for sale | 165,375,000 | 159,886,000 | 157,418,000 | 163,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,630,000 | 500,467,000 | 506,122,000 | 526,700,000 |
| Interest-bearing deposits | 452,747,000 | 456,105,000 | 463,806,000 | 484,296,000 |
| Noninterest-bearing deposits | 45,883,000 | 44,362,000 | 42,316,000 | 42,404,000 |
| Equity capital | 71,552,000 | 71,037,000 | 73,335,000 | 75,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,164,000 | 16,726,000 | 25,459,000 | 34,721,000 |
| Interest expense | 4,654,000 | 9,606,000 | 14,777,000 | 20,469,000 |
| Net interest income | 3,510,000 | 7,120,000 | 10,682,000 | 14,252,000 |
| Noninterest income | 283,000 | 579,000 | 933,000 | 1,159,000 |
| Noninterest expense | 2,794,000 | 5,741,000 | 8,625,000 | 11,515,000 |
| Provision for loan losses | 25,000 | 25,000 | 63,000 | 253,000 |
| Pretax income | 986,000 | 1,945,000 | 2,927,000 | 3,644,000 |
| Income tax | 346,000 | 672,000 | 1,006,000 | 1,244,000 |
| Net income | 640,000 | 1,273,000 | 1,921,000 | 2,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,534,000 | 36,930,000 | 39,135,000 | 41,012,000 |
| Total capital | 39,940,000 | 39,379,000 | 41,575,000 | 43,574,000 |
| Risk-weighted assets | 373,573,000 | 385,508,000 | 396,797,000 | 420,908,000 |