Call reports 2009
VILLAGE BANK, THE — 2009
What VILLAGE BANK, THE 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 | 280,954,000 | 285,359,000 | 269,403,000 | 247,998,000 |
| Total loans | 205,909,000 | 203,318,000 | 188,202,000 | 180,579,000 |
| Allowance for loan losses | 2,747,000 | 3,076,000 | 4,752,000 | 5,952,000 |
| Securities available for sale | 35,849,000 | 40,730,000 | 39,952,000 | 37,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,726,000 | 240,021,000 | 231,346,000 | 212,019,000 |
| Interest-bearing deposits | 201,990,000 | 208,474,000 | 200,675,000 | 185,309,000 |
| Noninterest-bearing deposits | 31,736,000 | 31,547,000 | 30,671,000 | 26,710,000 |
| Equity capital | 24,420,000 | 24,096,000 | 19,152,000 | 19,450,000 |
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 | 3,906,000 | 7,705,000 | 11,199,000 | 14,354,000 |
| Interest expense | 1,490,000 | 3,049,000 | 4,385,000 | 5,542,000 |
| Net interest income | 2,416,000 | 4,656,000 | 6,814,000 | 8,812,000 |
| Noninterest income | -23,000 | 174,000 | 366,000 | 299,000 |
| Noninterest expense | 1,872,000 | 4,301,000 | 6,258,000 | 8,531,000 |
| Provision for loan losses | 527,000 | 1,028,000 | 8,810,000 | 10,460,000 |
| Pretax income | -6,000 | -499,000 | -7,888,000 | -9,880,000 |
| Income tax | -18,000 | -259,000 | -2,458,000 | -3,907,000 |
| Net income | 12,000 | -240,000 | -5,430,000 | -5,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,013,000 | 23,761,000 | 18,571,000 | 18,973,000 |
| Total capital | 26,760,000 | 26,649,000 | 21,321,000 | 21,627,000 |
| Risk-weighted assets | 230,057,000 | 230,820,000 | 218,005,000 | 209,009,000 |