Call reports 2004
VILLAGE BANK AND TRUST CO. — 2004
What VILLAGE BANK AND TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 25,424,000 | 27,121,000 | 27,810,000 | 29,093,000 |
| Total loans | 20,744,000 | 21,577,000 | 21,637,000 | 22,482,000 |
| Allowance for loan losses | 221,000 | 221,000 | 221,000 | 221,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 356,000 | 1,105,000 | 1,104,000 | 1,603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,537,000 | 21,409,000 | 22,070,000 | 23,314,000 |
| Interest-bearing deposits | 17,335,000 | 18,308,000 | 18,403,000 | 18,778,000 |
| Noninterest-bearing deposits | 3,202,000 | 3,101,000 | 3,667,000 | 4,536,000 |
| Equity capital | 4,797,000 | 4,887,000 | 4,932,000 | 4,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 302,000 | 605,000 | 912,000 | 1,234,000 |
| Interest expense | 48,000 | 99,000 | 155,000 | 220,000 |
| Net interest income | 254,000 | 506,000 | 757,000 | 1,014,000 |
| Noninterest income | 11,000 | 20,000 | 34,000 | 45,000 |
| Noninterest expense | 116,000 | 228,000 | 423,000 | 649,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 149,000 | 298,000 | 368,000 | 410,000 |
| Income tax | 52,000 | 111,000 | 136,000 | 146,000 |
| Net income | 97,000 | 187,000 | 232,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,797,000 | 4,887,000 | 4,932,000 | 4,964,000 |
| Total capital | 5,018,000 | 5,108,000 | 5,153,000 | 5,185,000 |
| Risk-weighted assets | 21,193,000 | 22,749,000 | 24,272,000 | 24,345,000 |