Call reports 2007
VILLAGE BANK, THE — 2007
What VILLAGE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 228,255,000 | 226,608,000 | 235,739,000 | 262,330,000 |
| Total loans | 147,222,000 | 160,765,000 | 168,503,000 | 187,424,000 |
| Allowance for loan losses | 1,566,000 | 1,595,000 | 1,637,000 | 1,744,000 |
| Securities available for sale | 37,282,000 | 36,672,000 | 36,052,000 | 35,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,859,000 | 192,048,000 | 200,176,000 | 222,743,000 |
| Interest-bearing deposits | 154,627,000 | 151,073,000 | 156,529,000 | 185,242,000 |
| Noninterest-bearing deposits | 46,232,000 | 40,975,000 | 43,647,000 | 37,501,000 |
| Equity capital | 18,655,000 | 19,877,000 | 21,049,000 | 22,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,096,000 | 8,528,000 | 13,164,000 | 17,990,000 |
| Interest expense | 1,472,000 | 3,072,000 | 4,817,000 | 6,523,000 |
| Net interest income | 2,624,000 | 5,456,000 | 8,347,000 | 11,467,000 |
| Noninterest income | 287,000 | 600,000 | 895,000 | 1,331,000 |
| Noninterest expense | 1,719,000 | 3,272,000 | 4,878,000 | 6,567,000 |
| Provision for loan losses | 80,000 | 105,000 | 153,000 | 285,000 |
| Pretax income | 1,074,000 | 2,641,000 | 4,173,000 | 5,908,000 |
| Income tax | 307,000 | 819,000 | 1,327,000 | 1,901,000 |
| Net income | 767,000 | 1,822,000 | 2,846,000 | 4,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,676,000 | 20,230,000 | 21,104,000 | 22,216,000 |
| Total capital | 20,242,000 | 21,825,000 | 22,741,000 | 23,960,000 |
| Risk-weighted assets | 179,444,000 | 188,542,000 | 196,514,000 | 218,032,000 |