Call reports 2007
VILLAGE BANK AND TRUST CO. — 2007
What VILLAGE BANK AND TRUST CO. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 31,081,000 | 31,897,000 | 31,788,000 | 31,607,000 |
| Total loans | 27,641,000 | 28,908,000 | 28,375,000 | 27,038,000 |
| Allowance for loan losses | 221,000 | 221,000 | 221,000 | 221,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,026,000 | 23,819,000 | 23,610,000 | 23,426,000 |
| Interest-bearing deposits | 19,664,000 | 19,759,000 | 20,792,000 | 19,636,000 |
| Noninterest-bearing deposits | 3,362,000 | 4,061,000 | 2,818,000 | 3,790,000 |
| Equity capital | 5,583,000 | 5,660,000 | 5,749,000 | 5,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 458,000 | 931,000 | 1,418,000 | 1,823,000 |
| Interest expense | 191,000 | 392,000 | 604,000 | 801,000 |
| Net interest income | 267,000 | 539,000 | 814,000 | 1,022,000 |
| Noninterest income | 17,000 | 27,000 | 38,000 | 62,000 |
| Noninterest expense | 129,000 | 299,000 | 444,000 | 642,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 155,000 | 267,000 | 408,000 | 442,000 |
| Income tax | 63,000 | 98,000 | 150,000 | 172,000 |
| Net income | 92,000 | 169,000 | 258,000 | 270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,583,000 | 5,660,000 | 5,749,000 | 5,761,000 |
| Total capital | 5,804,000 | 5,881,000 | 5,970,000 | 5,982,000 |
| Risk-weighted assets | 27,987,000 | 28,296,000 | 27,952,000 | 26,426,000 |