Call reports 2006
VILLAGE BANK, THE — 2006
What VILLAGE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 527,448,000 | 554,455,000 | 538,568,000 | 539,956,000 |
| Total loans | 372,258,000 | 395,991,000 | 399,122,000 | 400,124,000 |
| Allowance for loan losses | 2,618,000 | 2,668,000 | 2,714,000 | 2,739,000 |
| Securities available for sale | 6,087,000 | 13,964,000 | 10,359,000 | 12,065,000 |
| Securities held to maturity | 111,225,000 | 104,262,000 | 88,078,000 | 87,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,517,000 | 454,093,000 | 453,181,000 | 454,730,000 |
| Interest-bearing deposits | 418,365,000 | 422,877,000 | 411,174,000 | 409,714,000 |
| Noninterest-bearing deposits | 32,151,000 | 31,216,000 | 42,007,000 | 45,016,000 |
| Equity capital | 58,443,000 | 59,560,000 | 60,750,000 | 61,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,747,000 | 14,072,000 | 21,937,000 | 29,678,000 |
| Interest expense | 2,319,000 | 5,324,000 | 8,795,000 | 12,319,000 |
| Net interest income | 4,428,000 | 8,748,000 | 13,142,000 | 17,359,000 |
| Noninterest income | 390,000 | 765,000 | 1,064,000 | 1,406,000 |
| Noninterest expense | 3,038,000 | 5,909,000 | 8,773,000 | 11,595,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,735,000 | 3,514,000 | 5,298,000 | 6,990,000 |
| Income tax | 642,000 | 1,293,000 | 1,909,000 | 2,523,000 |
| Net income | 1,093,000 | 2,221,000 | 3,389,000 | 4,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,443,000 | 59,560,000 | 60,750,000 | 61,825,000 |
| Total capital | 61,061,000 | 62,228,000 | 63,464,000 | 64,564,000 |
| Risk-weighted assets | 333,139,000 | 342,428,000 | 334,264,000 | 337,189,000 |