Call reports 2004
VILLAGE BANK, THE — 2004
What VILLAGE BANK, THE 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 | 457,592,000 | 482,248,000 | 486,757,000 | 492,901,000 |
| Total loans | 288,322,000 | 293,522,000 | 301,720,000 | 308,840,000 |
| Allowance for loan losses | 2,599,000 | 2,697,000 | 2,804,000 | 2,506,000 |
| Securities available for sale | 18,657,000 | 9,327,000 | 8,642,000 | 9,124,000 |
| Securities held to maturity | 91,123,000 | 111,481,000 | 124,053,000 | 120,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,786,000 | 430,825,000 | 433,933,000 | 438,134,000 |
| Interest-bearing deposits | 375,930,000 | 391,940,000 | 397,112,000 | 398,681,000 |
| Noninterest-bearing deposits | 30,856,000 | 38,885,000 | 36,821,000 | 39,453,000 |
| Equity capital | 49,791,000 | 50,615,000 | 51,570,000 | 52,856,000 |
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 | 5,053,000 | 9,991,000 | 15,148,000 | 20,586,000 |
| Interest expense | 1,229,000 | 2,469,000 | 3,799,000 | 5,179,000 |
| Net interest income | 3,824,000 | 7,522,000 | 11,349,000 | 15,407,000 |
| Noninterest income | 382,000 | 809,000 | 1,150,000 | 1,554,000 |
| Noninterest expense | 2,643,000 | 5,258,000 | 7,859,000 | 10,503,000 |
| Provision for loan losses | 112,000 | 225,000 | 338,000 | 38,000 |
| Pretax income | 1,451,000 | 2,848,000 | 4,302,000 | 6,420,000 |
| Income tax | 576,000 | 1,124,000 | 1,631,000 | 2,455,000 |
| Net income | 875,000 | 1,724,000 | 2,671,000 | 3,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,791,000 | 50,615,000 | 51,570,000 | 52,856,000 |
| Total capital | 52,390,000 | 53,312,000 | 54,374,000 | 55,362,000 |
| Risk-weighted assets | 275,406,000 | 274,410,000 | 278,473,000 | 285,526,000 |