Call reports 2005
VILLAGE BANK, THE — 2005
What VILLAGE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 130,093,000 | 138,706,000 | 156,867,000 | 163,497,000 |
| Total loans | 90,600,000 | 99,650,000 | 108,876,000 | 112,820,000 |
| Allowance for loan losses | 1,149,000 | 1,252,000 | 1,353,000 | 1,362,000 |
| Securities available for sale | 19,969,000 | 19,235,000 | 18,873,000 | 23,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,739,000 | 121,159,000 | 136,226,000 | 143,354,000 |
| Interest-bearing deposits | 78,868,000 | 84,521,000 | 94,868,000 | 99,245,000 |
| Noninterest-bearing deposits | 33,871,000 | 36,638,000 | 41,358,000 | 44,109,000 |
| Equity capital | 9,677,000 | 10,301,000 | 10,880,000 | 11,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,061,000 | 4,376,000 | 6,917,000 | 9,840,000 |
| Interest expense | 407,000 | 873,000 | 1,437,000 | 2,149,000 |
| Net interest income | 1,654,000 | 3,503,000 | 5,480,000 | 7,691,000 |
| Noninterest income | 154,000 | 344,000 | 503,000 | 666,000 |
| Noninterest expense | 880,000 | 1,935,000 | 2,956,000 | 4,059,000 |
| Provision for loan losses | 75,000 | 185,000 | 325,000 | 345,000 |
| Pretax income | 853,000 | 1,718,000 | 2,693,000 | 3,944,000 |
| Income tax | 303,000 | 593,000 | 946,000 | 1,392,000 |
| Net income | 550,000 | 1,125,000 | 1,747,000 | 2,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,769,000 | 10,344,000 | 10,967,000 | 11,871,000 |
| Total capital | 10,918,000 | 11,596,000 | 12,320,000 | 13,233,000 |
| Risk-weighted assets | 104,031,000 | 112,049,000 | 123,053,000 | 128,385,000 |