Call reports 2002
VILLAGE BANK AND TRUST CO. — 2002
What VILLAGE BANK AND TRUST CO. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 20,289,000 | 19,946,000 | 20,267,000 | 22,704,000 |
| Total loans | 18,386,000 | 19,133,000 | 18,911,000 | 18,591,000 |
| Allowance for loan losses | 220,000 | 220,000 | 221,000 | 221,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 520,000 | 19,000 | 18,000 | 15,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,279,000 | 14,515,000 | 15,836,000 | 18,276,000 |
| Interest-bearing deposits | 14,442,000 | 12,620,000 | 14,076,000 | 16,148,000 |
| Noninterest-bearing deposits | 837,000 | 1,895,000 | 1,760,000 | 2,128,000 |
| Equity capital | 4,217,000 | 4,306,000 | 4,357,000 | 4,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 643,000 | 981,000 | 1,290,000 |
| Interest expense | 92,000 | 182,000 | 268,000 | 338,000 |
| Net interest income | 217,000 | 461,000 | 713,000 | 952,000 |
| Noninterest income | 6,000 | 10,000 | 28,000 | 24,000 |
| Noninterest expense | 94,000 | 199,000 | 385,000 | 554,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 272,000 | 356,000 | 422,000 |
| Income tax | 48,000 | 102,000 | 134,000 | 200,000 |
| Net income | 81,000 | 170,000 | 222,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,217,000 | 4,306,000 | 4,357,000 | 4,357,000 |
| Total capital | 4,437,000 | 4,526,000 | 4,578,000 | 4,578,000 |
| Risk-weighted assets | 17,994,000 | 18,083,000 | 18,346,000 | 19,738,000 |