Call reports 2005
VILLAGE BANK, THE — 2005
What VILLAGE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 493,120,000 | 502,281,000 | 497,096,000 | 511,271,000 |
| Total loans | 312,495,000 | 328,888,000 | 334,079,000 | 351,730,000 |
| Allowance for loan losses | 2,534,000 | 2,560,000 | 2,575,000 | 2,572,000 |
| Securities available for sale | 4,054,000 | 4,253,000 | 4,454,000 | 15,446,000 |
| Securities held to maturity | 127,850,000 | 129,603,000 | 124,136,000 | 101,219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,866,000 | 445,559,000 | 436,933,000 | 446,964,000 |
| Interest-bearing deposits | 397,866,000 | 405,380,000 | 399,147,000 | 417,830,000 |
| Noninterest-bearing deposits | 40,000,000 | 40,179,000 | 37,786,000 | 29,134,000 |
| Equity capital | 53,862,000 | 55,052,000 | 56,203,000 | 57,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,541,000 | 11,355,000 | 17,318,000 | 23,595,000 |
| Interest expense | 1,423,000 | 2,946,000 | 4,696,000 | 6,801,000 |
| Net interest income | 4,118,000 | 8,409,000 | 12,622,000 | 16,794,000 |
| Noninterest income | 374,000 | 763,000 | 1,096,000 | 1,480,000 |
| Noninterest expense | 2,820,000 | 5,560,000 | 8,234,000 | 10,892,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 1,647,000 | 3,562,000 | 5,409,000 | 7,282,000 |
| Income tax | 632,000 | 1,365,000 | 2,052,000 | 2,754,000 |
| Net income | 1,015,000 | 2,197,000 | 3,357,000 | 4,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,862,000 | 55,052,000 | 56,203,000 | 57,366,000 |
| Total capital | 56,396,000 | 57,612,000 | 58,778,000 | 59,938,000 |
| Risk-weighted assets | 281,883,000 | 294,954,000 | 298,803,000 | 322,868,000 |