Call reports 2013
VILLAGE BANK, THE — 2013
What VILLAGE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 119,654,000 | 117,766,000 | 122,938,000 | 124,567,000 |
| Total loans | 67,530,000 | 67,222,000 | 73,655,000 | 71,185,000 |
| Allowance for loan losses | 2,712,000 | 2,749,000 | 2,346,000 | 2,241,000 |
| Securities available for sale | 14,189,000 | 13,969,000 | 14,888,000 | 13,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,739,000 | 98,187,000 | 103,135,000 | 103,190,000 |
| Interest-bearing deposits | 69,769,000 | 69,396,000 | 69,672,000 | 68,526,000 |
| Noninterest-bearing deposits | 28,970,000 | 28,791,000 | 33,463,000 | 34,664,000 |
| Equity capital | 12,847,000 | 12,788,000 | 12,793,000 | 12,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,131,000 | 2,246,000 | 3,457,000 | 4,631,000 |
| Interest expense | 136,000 | 266,000 | 397,000 | 516,000 |
| Net interest income | 995,000 | 1,980,000 | 3,060,000 | 4,115,000 |
| Noninterest income | 88,000 | 153,000 | -80,000 | 2,000 |
| Noninterest expense | 1,000,000 | 1,954,000 | 2,927,000 | 3,868,000 |
| Provision for loan losses | 14,000 | 14,000 | 14,000 | 14,000 |
| Pretax income | 69,000 | 165,000 | 39,000 | 235,000 |
| Income tax | 21,000 | 50,000 | 4,000 | 79,000 |
| Net income | 48,000 | 115,000 | 35,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,696,000 | 6,729,000 | 6,656,000 | 6,887,000 |
| Total capital | 7,747,000 | 7,778,000 | 7,774,000 | 7,976,000 |
| Risk-weighted assets | 82,388,000 | 82,186,000 | 88,175,000 | 85,958,000 |