Call reports 2003
VILLA PARK TRUST & SAVINGS BANK — 2003
What VILLA PARK TRUST & SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 249,232,000 | 251,659,000 | 252,483,000 | 248,602,000 |
| Total loans | 162,118,000 | 172,625,000 | 174,421,000 | 187,542,000 |
| Allowance for loan losses | 1,646,000 | 1,689,000 | 1,722,000 | 1,862,000 |
| Securities available for sale | 69,797,000 | 68,466,000 | 64,036,000 | 53,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,539,000 | 230,653,000 | 231,733,000 | 228,955,000 |
| Interest-bearing deposits | 197,454,000 | 198,620,000 | 198,572,000 | 198,157,000 |
| Noninterest-bearing deposits | 32,085,000 | 32,033,000 | 33,161,000 | 30,798,000 |
| Equity capital | 18,124,000 | 19,265,000 | 19,376,000 | 18,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,320,000 | 6,688,000 | 9,948,000 | 13,174,000 |
| Interest expense | 924,000 | 1,775,000 | 2,565,000 | 3,314,000 |
| Net interest income | 2,396,000 | 4,913,000 | 7,383,000 | 9,860,000 |
| Noninterest income | 245,000 | 495,000 | 764,000 | 1,022,000 |
| Noninterest expense | 1,417,000 | 2,875,000 | 4,364,000 | 6,111,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 300,000 |
| Pretax income | 1,174,000 | 2,433,000 | 3,633,000 | 4,500,000 |
| Income tax | 304,000 | 629,000 | 933,000 | 1,121,000 |
| Net income | 870,000 | 1,804,000 | 2,700,000 | 3,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,821,000 | 17,508,000 | 18,404,000 | 17,894,000 |
| Total capital | 18,467,000 | 19,197,000 | 20,126,000 | 19,756,000 |
| Risk-weighted assets | 184,247,000 | 164,998,000 | 169,882,000 | 182,221,000 |