Call reports 2004
VILLAGE BANK, THE — 2004
What VILLAGE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 101,231,000 | 108,729,000 | 122,137,000 | 122,636,000 |
| Total loans | 67,337,000 | 72,343,000 | 76,906,000 | 84,197,000 |
| Allowance for loan losses | 920,000 | 955,000 | 1,027,000 | 1,072,000 |
| Securities available for sale | 11,690,000 | 13,324,000 | 16,332,000 | 19,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,885,000 | 95,284,000 | 107,382,000 | 107,631,000 |
| Interest-bearing deposits | 67,423,000 | 70,244,000 | 77,139,000 | 78,407,000 |
| Noninterest-bearing deposits | 21,462,000 | 25,040,000 | 30,243,000 | 29,224,000 |
| Equity capital | 7,807,000 | 7,941,000 | 8,481,000 | 9,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,469,000 | 3,063,000 | 4,813,000 | 6,818,000 |
| Interest expense | 331,000 | 670,000 | 1,034,000 | 1,427,000 |
| Net interest income | 1,138,000 | 2,393,000 | 3,779,000 | 5,391,000 |
| Noninterest income | 120,000 | 237,000 | 395,000 | 583,000 |
| Noninterest expense | 726,000 | 1,568,000 | 2,438,000 | 3,377,000 |
| Provision for loan losses | 95,000 | 145,000 | 225,000 | 286,000 |
| Pretax income | 437,000 | 917,000 | 1,511,000 | 2,311,000 |
| Income tax | 125,000 | 278,000 | 463,000 | 743,000 |
| Net income | 312,000 | 639,000 | 1,048,000 | 1,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,638,000 | 7,965,000 | 8,375,000 | 9,219,000 |
| Total capital | 8,558,000 | 8,920,000 | 9,402,000 | 10,291,000 |
| Risk-weighted assets | 76,570,000 | 83,341,000 | 90,377,000 | 96,647,000 |