Call reports 2005
VILLAGE BANK AND TRUST CO. — 2005
What VILLAGE BANK AND TRUST CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 28,487,000 | 29,035,000 | 28,026,000 | 28,929,000 |
| Total loans | 22,952,000 | 23,104,000 | 22,222,000 | 24,592,000 |
| Allowance for loan losses | 221,000 | 221,000 | 220,000 | 221,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,853,000 | 1,852,000 | 1,852,000 | 1,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,560,000 | 23,048,000 | 21,964,000 | 22,913,000 |
| Interest-bearing deposits | 18,479,000 | 19,665,000 | 18,807,000 | 19,488,000 |
| Noninterest-bearing deposits | 4,081,000 | 3,383,000 | 3,157,000 | 3,425,000 |
| Equity capital | 5,062,000 | 5,142,000 | 5,220,000 | 5,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 333,000 | 679,000 | 1,026,000 | 1,389,000 |
| Interest expense | 66,000 | 156,000 | 249,000 | 363,000 |
| Net interest income | 267,000 | 523,000 | 777,000 | 1,026,000 |
| Noninterest income | 12,000 | 20,000 | 39,000 | 51,000 |
| Noninterest expense | 123,000 | 257,000 | 406,000 | 752,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 1,000 |
| Pretax income | 156,000 | 285,000 | 409,000 | 324,000 |
| Income tax | 58,000 | 107,000 | 153,000 | 112,000 |
| Net income | 98,000 | 178,000 | 256,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,062,000 | 5,142,000 | 5,220,000 | 5,175,000 |
| Total capital | 5,283,000 | 5,363,000 | 5,441,000 | 5,396,000 |
| Risk-weighted assets | 23,987,000 | 24,315,000 | 23,361,000 | 24,791,000 |