Call reports 2009
VILLAGE BANK & TRUST, NATIONAL ASSOCIATION — 2009
What VILLAGE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 695,224,000 | 732,207,000 | 796,308,000 | 791,092,000 |
| Total loans | 465,015,000 | 488,084,000 | 481,279,000 | 492,035,000 |
| Allowance for loan losses | 5,035,000 | 5,739,000 | 6,467,000 | 7,359,000 |
| Securities available for sale | 103,295,000 | 90,513,000 | 102,714,000 | 96,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 545,325,000 | 589,662,000 | 637,077,000 | 631,486,000 |
| Interest-bearing deposits | 493,601,000 | 543,945,000 | 589,906,000 | 586,112,000 |
| Noninterest-bearing deposits | 51,724,000 | 45,717,000 | 47,171,000 | 45,374,000 |
| Equity capital | 80,630,000 | 79,870,000 | 90,018,000 | 89,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,396,000 | 15,038,000 | 23,897,000 | 31,975,000 |
| Interest expense | 3,469,000 | 7,095,000 | 10,788,000 | 14,189,000 |
| Net interest income | 3,927,000 | 7,943,000 | 13,109,000 | 17,786,000 |
| Noninterest income | 419,000 | 679,000 | 1,079,000 | 1,365,000 |
| Noninterest expense | 2,722,000 | 5,741,000 | 8,716,000 | 12,511,000 |
| Provision for loan losses | 1,157,000 | 3,458,000 | 15,264,000 | 21,478,000 |
| Pretax income | 460,000 | -410,000 | -9,625,000 | -14,671,000 |
| Income tax | 148,000 | -196,000 | -3,756,000 | -5,710,000 |
| Net income | 312,000 | -214,000 | -5,869,000 | -8,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,480,000 | 45,073,000 | 54,538,000 | 54,511,000 |
| Total capital | 55,044,000 | 56,841,000 | 72,050,000 | 72,391,000 |
| Risk-weighted assets | 530,297,000 | 540,844,000 | 536,929,000 | 549,922,000 |