Call reports 2007
VILLAGE BANK & TRUST, NATIONAL ASSOCIATION — 2007
What VILLAGE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 635,969,000 | 594,283,000 | 581,768,000 | 564,205,000 |
| Total loans | 409,922,000 | 407,224,000 | 384,528,000 | 380,485,000 |
| Allowance for loan losses | 2,631,000 | 2,519,000 | 2,375,000 | 2,533,000 |
| Securities available for sale | 123,578,000 | 105,019,000 | 102,076,000 | 91,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 521,428,000 | 482,575,000 | 469,733,000 | 455,543,000 |
| Interest-bearing deposits | 479,907,000 | 442,977,000 | 425,742,000 | 415,994,000 |
| Noninterest-bearing deposits | 41,521,000 | 39,598,000 | 43,991,000 | 39,549,000 |
| Equity capital | 79,763,000 | 79,328,000 | 80,915,000 | 78,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,402,000 | 18,946,000 | 28,426,000 | 37,383,000 |
| Interest expense | 5,873,000 | 11,574,000 | 16,996,000 | 21,989,000 |
| Net interest income | 3,529,000 | 7,372,000 | 11,430,000 | 15,394,000 |
| Noninterest income | 233,000 | 569,000 | 867,000 | 1,360,000 |
| Noninterest expense | 2,772,000 | 5,566,000 | 8,213,000 | 10,977,000 |
| Provision for loan losses | 134,000 | 289,000 | 159,000 | 443,000 |
| Pretax income | 856,000 | 2,096,000 | 3,935,000 | 5,365,000 |
| Income tax | 277,000 | 695,000 | 1,355,000 | 1,842,000 |
| Net income | 579,000 | 1,401,000 | 2,580,000 | 3,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,510,000 | 46,496,000 | 47,107,000 | 43,896,000 |
| Total capital | 48,152,000 | 49,026,000 | 49,493,000 | 46,461,000 |
| Risk-weighted assets | 474,419,000 | 459,901,000 | 435,537,000 | 433,800,000 |