Call reports 2006
VILLAGE BANK, THE — 2006
What VILLAGE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 189,431,000 | 191,163,000 | 199,885,000 | 214,391,000 |
| Total loans | 115,614,000 | 119,543,000 | 126,379,000 | 142,176,000 |
| Allowance for loan losses | 1,370,000 | 1,417,000 | 1,469,000 | 1,515,000 |
| Securities available for sale | 31,586,000 | 38,949,000 | 41,665,000 | 41,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,346,000 | 168,653,000 | 169,924,000 | 188,558,000 |
| Interest-bearing deposits | 116,390,000 | 123,429,000 | 125,332,000 | 138,448,000 |
| Noninterest-bearing deposits | 48,956,000 | 45,224,000 | 44,592,000 | 50,110,000 |
| Equity capital | 12,461,000 | 13,201,000 | 14,283,000 | 15,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,106,000 | 6,531,000 | 10,251,000 | 14,237,000 |
| Interest expense | 870,000 | 1,920,000 | 3,193,000 | 4,545,000 |
| Net interest income | 2,236,000 | 4,611,000 | 7,058,000 | 9,692,000 |
| Noninterest income | 243,000 | 559,000 | 760,000 | 962,000 |
| Noninterest expense | 1,236,000 | 2,428,000 | 3,654,000 | 5,262,000 |
| Provision for loan losses | 0 | 100,000 | 150,000 | 210,000 |
| Pretax income | 1,243,000 | 2,642,000 | 4,014,000 | 5,182,000 |
| Income tax | 495,000 | 895,000 | 1,382,000 | 1,740,000 |
| Net income | 748,000 | 1,747,000 | 2,632,000 | 3,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,670,000 | 13,668,000 | 14,553,000 | 15,363,000 |
| Total capital | 14,040,000 | 15,085,000 | 16,022,000 | 16,878,000 |
| Risk-weighted assets | 135,701,000 | 142,274,000 | 152,178,000 | 169,230,000 |