Call reports 2009
VILLAGE BANK, THE — 2009
What VILLAGE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 658,791,000 | 675,122,000 | 659,233,000 | 670,059,000 |
| Total loans | 491,102,000 | 486,127,000 | 492,168,000 | 485,451,000 |
| Allowance for loan losses | 3,390,000 | 3,624,000 | 3,764,000 | 4,054,000 |
| Securities available for sale | 41,392,000 | 14,889,000 | 17,870,000 | 23,273,000 |
| Securities held to maturity | 56,306,000 | 83,610,000 | 86,260,000 | 83,653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,542,000 | 541,108,000 | 525,939,000 | 530,960,000 |
| Interest-bearing deposits | 474,770,000 | 485,452,000 | 477,395,000 | 476,620,000 |
| Noninterest-bearing deposits | 49,772,000 | 55,656,000 | 48,544,000 | 54,340,000 |
| Equity capital | 71,862,000 | 72,921,000 | 74,225,000 | 75,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,083,000 | 15,964,000 | 23,795,000 | 31,455,000 |
| Interest expense | 2,801,000 | 5,411,000 | 7,820,000 | 10,003,000 |
| Net interest income | 5,282,000 | 10,553,000 | 15,975,000 | 21,452,000 |
| Noninterest income | 433,000 | 850,000 | 1,268,000 | 1,710,000 |
| Noninterest expense | 3,636,000 | 7,458,000 | 11,021,000 | 14,607,000 |
| Provision for loan losses | 150,000 | 400,000 | 700,000 | 1,000,000 |
| Pretax income | 1,929,000 | 3,545,000 | 5,522,000 | 7,555,000 |
| Income tax | 686,000 | 1,252,000 | 1,959,000 | 2,698,000 |
| Net income | 1,243,000 | 2,293,000 | 3,563,000 | 4,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,291,000 | 73,329,000 | 74,648,000 | 75,921,000 |
| Total capital | 75,681,000 | 76,953,000 | 78,412,000 | 79,975,000 |
| Risk-weighted assets | 428,501,000 | 406,544,000 | 412,899,000 | 420,567,000 |