Call reports 2006
VILLAGE BANK AND TRUST CO. — 2006
What VILLAGE BANK AND TRUST CO. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 31,530,000 | 29,757,000 | 33,245,000 | 33,542,000 |
| Total loans | 26,080,000 | 26,376,000 | 27,485,000 | 27,627,000 |
| Allowance for loan losses | 221,000 | 221,000 | 221,000 | 221,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,501,000 | 1,250,000 | 500,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,377,000 | 21,494,000 | 26,827,000 | 26,978,000 |
| Interest-bearing deposits | 21,899,000 | 17,883,000 | 22,775,000 | 23,660,000 |
| Noninterest-bearing deposits | 3,478,000 | 3,611,000 | 4,052,000 | 3,318,000 |
| Equity capital | 5,279,000 | 5,350,000 | 5,437,000 | 5,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 393,000 | 820,000 | 1,267,000 | 1,741,000 |
| Interest expense | 136,000 | 296,000 | 471,000 | 676,000 |
| Net interest income | 257,000 | 524,000 | 796,000 | 1,065,000 |
| Noninterest income | 16,000 | 28,000 | 40,000 | 55,000 |
| Noninterest expense | 107,000 | 272,000 | 416,000 | 619,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 166,000 | 280,000 | 420,000 | 501,000 |
| Income tax | 63,000 | 105,000 | 158,000 | 185,000 |
| Net income | 103,000 | 175,000 | 262,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,279,000 | 5,350,000 | 5,437,000 | 5,491,000 |
| Total capital | 5,500,000 | 5,571,000 | 5,658,000 | 5,712,000 |
| Risk-weighted assets | 27,829,000 | 25,364,000 | 29,067,000 | 30,041,000 |