Call reports 2008
VILLAGE BANK AND TRUST CO. — 2008
What VILLAGE BANK AND TRUST CO. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 31,446,000 | 31,752,000 | 30,448,000 | 29,342,000 |
| Total loans | 28,649,000 | 27,597,000 | 26,903,000 | 26,521,000 |
| Allowance for loan losses | 221,000 | 221,000 | 221,000 | 220,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,175,000 | 23,409,000 | 21,994,000 | 21,694,000 |
| Interest-bearing deposits | 18,722,000 | 19,050,000 | 17,352,000 | 17,355,000 |
| Noninterest-bearing deposits | 4,453,000 | 4,359,000 | 4,642,000 | 4,339,000 |
| Equity capital | 5,858,000 | 5,940,000 | 6,011,000 | 5,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 853,000 | 1,261,000 | 1,643,000 |
| Interest expense | 161,000 | 303,000 | 429,000 | 542,000 |
| Net interest income | 274,000 | 550,000 | 832,000 | 1,101,000 |
| Noninterest income | 22,000 | 33,000 | 62,000 | 89,000 |
| Noninterest expense | 142,000 | 299,000 | 495,000 | 1,143,000 |
| Provision for loan losses | 0 | 0 | 0 | 424,000 |
| Pretax income | 154,000 | 284,000 | 399,000 | -377,000 |
| Income tax | 57,000 | 105,000 | 149,000 | 160,000 |
| Net income | 97,000 | 179,000 | 250,000 | -537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,858,000 | 5,940,000 | 6,011,000 | 5,224,000 |
| Total capital | 6,079,000 | 6,161,000 | 6,232,000 | 5,445,000 |
| Risk-weighted assets | 27,701,000 | 27,053,000 | 26,214,000 | 25,148,000 |