Call reports 2012
VILLAGE BANK, THE — 2012
What VILLAGE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 174,204,000 | 115,521,000 | 119,192,000 | 117,050,000 |
| Total loans | 103,432,000 | 69,819,000 | 73,620,000 | 68,293,000 |
| Allowance for loan losses | 4,797,000 | 4,118,000 | 3,949,000 | 2,850,000 |
| Securities available for sale | 24,979,000 | 12,945,000 | 11,812,000 | 11,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,489,000 | 98,262,000 | 99,924,000 | 97,509,000 |
| Interest-bearing deposits | 124,143,000 | 67,455,000 | 68,216,000 | 67,531,000 |
| Noninterest-bearing deposits | 33,346,000 | 30,807,000 | 31,708,000 | 29,978,000 |
| Equity capital | 10,832,000 | 12,952,000 | 13,005,000 | 12,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,764,000 | 3,290,000 | 4,512,000 | 5,705,000 |
| Interest expense | 254,000 | 449,000 | 580,000 | 715,000 |
| Net interest income | 1,510,000 | 2,841,000 | 3,932,000 | 4,990,000 |
| Noninterest income | 185,000 | 3,698,000 | 3,611,000 | 3,405,000 |
| Noninterest expense | 1,529,000 | 2,806,000 | 3,721,000 | 4,729,000 |
| Provision for loan losses | 0 | 0 | 0 | 184,000 |
| Pretax income | 166,000 | 3,775,000 | 3,863,000 | 3,523,000 |
| Income tax | 33,000 | 1,375,000 | 1,406,000 | 1,277,000 |
| Net income | 133,000 | 2,400,000 | 2,457,000 | 2,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,403,000 | 6,917,000 | 7,007,000 | 6,646,000 |
| Total capital | 5,003,000 | 8,049,000 | 8,146,000 | 7,718,000 |
| Risk-weighted assets | 124,835,000 | 87,539,000 | 88,343,000 | 83,963,000 |