Call reports 2009
VILLAGE BANK AND TRUST CO. — 2009
What VILLAGE BANK AND TRUST CO. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Total assets | 28,017,000 | 24,384,000 |
| Total loans | 24,881,000 | 20,389,000 |
| Allowance for loan losses | 220,000 | 470,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 19,258,000 | 16,806,000 |
| Interest-bearing deposits | 15,883,000 | 14,068,000 |
| Noninterest-bearing deposits | 3,375,000 | 2,738,000 |
| Equity capital | 5,332,000 | 5,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Interest income | 241,000 | 531,000 |
| Interest expense | 74,000 | 190,000 |
| Net interest income | 167,000 | 341,000 |
| Noninterest income | 7,000 | 61,000 |
| Noninterest expense | 138,000 | 313,000 |
| Provision for loan losses | 0 | 250,000 |
| Pretax income | 36,000 | -161,000 |
| Income tax | 0 | 0 |
| Net income | 36,000 | -161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Tier 1 capital | 5,332,000 | 5,135,000 |
| Total capital | 5,553,000 | 5,393,000 |
| Risk-weighted assets | 24,163,000 | 19,638,000 |