Call reports 2007
VILLAGE BANK, THE — 2007
What VILLAGE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 554,175,000 | 565,132,000 | 591,267,000 | 610,960,000 |
| Total loans | 409,780,000 | 421,091,000 | 443,688,000 | 461,994,000 |
| Allowance for loan losses | 2,803,000 | 2,828,000 | 2,888,000 | 2,944,000 |
| Securities available for sale | 15,745,000 | 21,176,000 | 6,168,000 | 9,226,000 |
| Securities held to maturity | 84,704,000 | 80,502,000 | 96,641,000 | 94,816,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,909,000 | 473,621,000 | 487,813,000 | 498,509,000 |
| Interest-bearing deposits | 419,676,000 | 427,650,000 | 443,718,000 | 452,519,000 |
| Noninterest-bearing deposits | 44,233,000 | 45,971,000 | 44,096,000 | 45,989,000 |
| Equity capital | 62,799,000 | 63,786,000 | 64,787,000 | 65,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,823,000 | 15,868,000 | 24,198,000 | 32,832,000 |
| Interest expense | 3,729,000 | 7,727,000 | 12,021,000 | 16,656,000 |
| Net interest income | 4,094,000 | 8,141,000 | 12,177,000 | 16,176,000 |
| Noninterest income | 357,000 | 692,000 | 1,051,000 | 1,523,000 |
| Noninterest expense | 2,906,000 | 5,694,000 | 8,563,000 | 11,532,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,485,000 | 3,019,000 | 4,485,000 | 5,927,000 |
| Income tax | 515,000 | 1,043,000 | 1,520,000 | 1,980,000 |
| Net income | 970,000 | 1,976,000 | 2,965,000 | 3,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,799,000 | 63,786,000 | 64,787,000 | 65,787,000 |
| Total capital | 65,602,000 | 66,614,000 | 67,675,000 | 68,731,000 |
| Risk-weighted assets | 338,458,000 | 348,486,000 | 356,020,000 | 374,363,000 |