Call reports 2003
VILLAGE BANK AND TRUST CO. — 2003
What VILLAGE BANK AND TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 23,081,000 | 23,208,000 | 25,125,000 | 26,824,000 |
| Total loans | 20,038,000 | 20,696,000 | 20,950,000 | 20,978,000 |
| Allowance for loan losses | 221,000 | 221,000 | 221,000 | 221,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 513,000 | 513,000 | 511,000 | 756,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,546,000 | 17,564,000 | 20,397,000 | 22,059,000 |
| Interest-bearing deposits | 16,376,000 | 15,781,000 | 17,893,000 | 18,942,000 |
| Noninterest-bearing deposits | 2,170,000 | 1,783,000 | 2,504,000 | 3,117,000 |
| Equity capital | 4,445,000 | 4,560,000 | 4,649,000 | 4,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 304,000 | 614,000 | 928,000 | 1,234,000 |
| Interest expense | 64,000 | 123,000 | 181,000 | 232,000 |
| Net interest income | 240,000 | 491,000 | 747,000 | 1,002,000 |
| Noninterest income | 7,000 | 21,000 | 34,000 | 53,000 |
| Noninterest expense | 119,000 | 231,000 | 378,000 | 590,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 128,000 | 281,000 | 403,000 | 465,000 |
| Income tax | 40,000 | 78,000 | 112,000 | 179,000 |
| Net income | 88,000 | 203,000 | 291,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,445,000 | 4,560,000 | 4,649,000 | 4,700,000 |
| Total capital | 4,666,000 | 4,781,000 | 4,870,000 | 4,921,000 |
| Risk-weighted assets | 19,898,000 | 19,891,000 | 22,061,000 | 23,030,000 |