Call reports 2004
VILLA PARK TRUST & SAVINGS BANK — 2004
What VILLA PARK TRUST & SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 259,748,000 | 260,725,000 | 273,566,000 | 285,428,000 |
| Total loans | 198,477,000 | 206,147,000 | 218,674,000 | 227,470,000 |
| Allowance for loan losses | 1,925,000 | 1,980,000 | 1,999,000 | 2,012,000 |
| Securities available for sale | 48,583,000 | 47,102,000 | 43,873,000 | 42,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,944,000 | 240,547,000 | 251,410,000 | 263,036,000 |
| Interest-bearing deposits | 204,964,000 | 207,209,000 | 218,444,000 | 227,752,000 |
| Noninterest-bearing deposits | 32,980,000 | 33,338,000 | 32,966,000 | 35,284,000 |
| Equity capital | 20,179,000 | 19,238,000 | 20,709,000 | 21,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,183,000 | 6,402,000 | 9,808,000 | 13,442,000 |
| Interest expense | 742,000 | 1,506,000 | 2,352,000 | 3,357,000 |
| Net interest income | 2,441,000 | 4,896,000 | 7,456,000 | 10,085,000 |
| Noninterest income | 246,000 | 513,000 | 803,000 | 1,103,000 |
| Noninterest expense | 1,531,000 | 3,030,000 | 4,558,000 | 6,139,000 |
| Provision for loan losses | 63,000 | 125,000 | 187,000 | 250,000 |
| Pretax income | 1,119,000 | 2,280,000 | 3,548,000 | 4,833,000 |
| Income tax | 280,000 | 574,000 | 912,000 | 1,260,000 |
| Net income | 839,000 | 1,706,000 | 2,636,000 | 3,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,733,000 | 18,952,000 | 19,882,000 | 20,819,000 |
| Total capital | 20,658,000 | 20,932,000 | 21,881,000 | 22,831,000 |
| Risk-weighted assets | 193,850,000 | 199,419,000 | 215,538,000 | 223,289,000 |