Call reports 2008
VILLAGE BANK & TRUST, NATIONAL ASSOCIATION — 2008
What VILLAGE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 595,706,000 | 610,763,000 | 587,075,000 | 642,408,000 |
| Total loans | 399,673,000 | 417,484,000 | 424,987,000 | 434,537,000 |
| Allowance for loan losses | 2,737,000 | 2,783,000 | 2,803,000 | 5,157,000 |
| Securities available for sale | 80,976,000 | 105,961,000 | 88,394,000 | 71,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,580,000 | 472,333,000 | 470,023,000 | 506,067,000 |
| Interest-bearing deposits | 406,860,000 | 434,122,000 | 427,564,000 | 452,797,000 |
| Noninterest-bearing deposits | 37,720,000 | 38,211,000 | 42,459,000 | 53,270,000 |
| Equity capital | 79,841,000 | 78,378,000 | 81,228,000 | 80,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,946,000 | 15,674,000 | 23,542,000 | 31,008,000 |
| Interest expense | 4,396,000 | 8,331,000 | 12,190,000 | 15,801,000 |
| Net interest income | 3,550,000 | 7,343,000 | 11,352,000 | 15,207,000 |
| Noninterest income | 708,000 | 1,703,000 | 2,209,000 | 2,864,000 |
| Noninterest expense | 2,689,000 | 5,244,000 | 7,688,000 | 10,027,000 |
| Provision for loan losses | 317,000 | 679,000 | 820,000 | 3,545,000 |
| Pretax income | 1,272,000 | 3,143,000 | 5,688,000 | 5,149,000 |
| Income tax | 463,000 | 1,178,000 | 2,152,000 | 1,943,000 |
| Net income | 809,000 | 1,965,000 | 3,536,000 | 3,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,846,000 | 45,251,000 | 46,958,000 | 45,054,000 |
| Total capital | 47,615,000 | 48,066,000 | 49,793,000 | 50,740,000 |
| Risk-weighted assets | 450,708,000 | 468,379,000 | 467,444,000 | 490,408,000 |