Home > The Village Bank & Trust Company > Assets and Liabilities
The Village Bank & Trust Company, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 88 | 1,956 |
| Assets and Liabilities | ||
| Total Assets: | $237,081,000 | 1,949 |
| Cash and due from depository institutions | $13,092,000 | 1,956 |
| Interest-bearing balances | $1,000 | 6,667 |
| Securities | $47,563,000 | 2,430 |
| Federal funds sold & reverse repurchase agreements | $18,150,000 | 893 |
| Net loans & leases | $150,082,000 | 1,870 |
| Loan loss allowance | $1,178,000 | 2,879 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $5,230,000 | 1,532 |
| Other real estate owned | $0 | 1,956 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $2,964,000 | 2,495 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $237,081,000 | 1,949 |
| Total liabilities | $219,676,000 | 1,900 |
| Total deposits | $217,226,000 | 1,744 |
| Interest-bearing deposits | $195,015,000 | 1,655 |
| Deposits held in domestic offices | $217,226,000 | 1,738 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $2,450,000 | 1,677 |
| Total equity capital | $17,405,000 | 2,573 |
| Total bank equity capital | $17,405,000 | 2,573 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,073,000 | 1,780 |
| Surplus | $4,821,000 | 2,958 |
| Undivided profits | $10,511,000 | 2,452 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,288,000 | 1,940 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,031,000 | 2,144 |
| Earning assets | $215,796,000 | 1,973 |
| Long-term assets (5+ years) | $26,365,000 | 2,608 |
| Average Assets, year-to-date | $230,436,800 | 1,898 |
| Average Assets, quarterly | $233,589,500 | 1,943 |
| Volatile liabilities | $12,072,000 | 4,431 |
| Insider loans | $5,132,000 | 817 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $1,873,000 | 839 |
| Unused loan commitments | $39,062,000 | 1,360 |
| Tier 1 (core) risk-based capital | $17,358,000 | 2,458 |
| Tier 2 risk-based capital | $1,178,000 | 2,612 |
| Total risk weighted assets | $134,181,500 | 2,123 |
| Total unused commitments | $39,062,000 | 1,365 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 97 | 1,826 |
| Assets and Liabilities | ||
| Total Assets: | $222,474,000 | 2,052 |
| Cash and due from depository institutions | $11,153,000 | 1,826 |
| Interest-bearing balances | $6,000 | 6,314 |
| Securities | $54,591,000 | 2,116 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $148,036,000 | 1,902 |
| Loan loss allowance | $1,309,000 | 2,640 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $5,256,000 | 1,493 |
| Other real estate owned | $154,000 | 1,826 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $3,284,000 | 2,198 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $222,474,000 | 2,052 |
| Total liabilities | $206,676,000 | 1,995 |
| Total deposits | $203,808,000 | 1,847 |
| Interest-bearing deposits | $183,044,000 | 1,770 |
| Deposits held in domestic offices | $203,808,000 | 1,840 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $629,000 | 2,979 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $2,239,000 | 1,846 |
| Total equity capital | $15,798,000 | 2,797 |
| Total bank equity capital | $15,798,000 | 2,797 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,073,000 | 1,768 |
| Surplus | $4,821,000 | 2,873 |
| Undivided profits | $8,904,000 | 2,812 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,622,000 | 1,630 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,054,000 | 2,142 |
| Earning assets | $202,633,000 | 2,069 |
| Long-term assets (5+ years) | $22,336,000 | 2,600 |
| Average Assets, year-to-date | $201,107,400 | 2,157 |
| Average Assets, quarterly | $219,634,500 | 2,054 |
| Volatile liabilities | $15,276,000 | 3,715 |
| Insider loans | $5,557,000 | 746 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $1,686,000 | 647 |
| Unused loan commitments | $30,757,000 | 1,546 |
| Tier 1 (core) risk-based capital | $15,767,000 | 2,700 |
| Tier 2 risk-based capital | $1,309,000 | 2,280 |
| Total risk weighted assets | $131,238,700 | 2,126 |
| Total unused commitments | $30,757,000 | 1,549 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 77 | 2,454 |
| Assets and Liabilities | ||
| Total Assets: | $179,475,000 | 2,581 |
| Cash and due from depository institutions | $8,545,000 | 2,454 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $33,616,000 | 3,585 |
| Federal funds sold & reverse repurchase agreements | $6,600,000 | 1,971 |
| Net loans & leases | $125,530,000 | 2,255 |
| Loan loss allowance | $1,356,000 | 2,683 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,509,000 | 4,684 |
| Other real estate owned | $0 | 2,454 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $3,675,000 | 2,050 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $179,475,000 | 2,581 |
| Total liabilities | $164,259,000 | 2,542 |
| Total deposits | $162,631,000 | 2,373 |
| Interest-bearing deposits | $147,500,000 | 2,251 |
| Deposits held in domestic offices | $162,631,000 | 2,364 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,628,000 | 2,399 |
| Total equity capital | $15,216,000 | 2,920 |
| Total bank equity capital | $15,216,000 | 2,920 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,073,000 | 1,862 |
| Surplus | $4,821,000 | 2,947 |
| Undivided profits | $8,322,000 | 2,954 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,753,000 | 1,707 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $920,000 | 2,453 |
| Earning assets | $165,746,000 | 2,570 |
| Long-term assets (5+ years) | $14,171,000 | 3,381 |
| Average Assets, year-to-date | $175,084,400 | 2,537 |
| Average Assets, quarterly | $175,385,000 | 2,605 |
| Volatile liabilities | $8,140,000 | 5,550 |
| Insider loans | $4,644,000 | 930 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $50,000 | 1,495 |
| Unused loan commitments | $31,809,000 | 1,477 |
| Tier 1 (core) risk-based capital | $15,229,000 | 2,851 |
| Tier 2 risk-based capital | $1,356,000 | 2,250 |
| Total risk weighted assets | $110,877,900 | 2,523 |
| Total unused commitments | $31,809,000 | 1,487 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 75 | 2,581 |
| Assets and Liabilities | ||
| Total Assets: | $174,199,000 | 2,654 |
| Cash and due from depository institutions | $9,125,000 | 2,581 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $34,562,000 | 3,657 |
| Federal funds sold & reverse repurchase agreements | $8,200,000 | 1,782 |
| Net loans & leases | $118,833,000 | 2,333 |
| Loan loss allowance | $1,311,000 | 2,771 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,550,000 | 4,558 |
| Other real estate owned | $0 | 2,581 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,929,000 | 3,751 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $174,199,000 | 2,654 |
| Total liabilities | $160,161,000 | 2,614 |
| Total deposits | $158,571,000 | 2,462 |
| Interest-bearing deposits | $141,274,000 | 2,407 |
| Deposits held in domestic offices | $158,571,000 | 2,452 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,590,000 | 2,528 |
| Total equity capital | $14,038,000 | 3,152 |
| Total bank equity capital | $14,038,000 | 3,152 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,073,000 | 1,904 |
| Surplus | $4,821,000 | 2,949 |
| Undivided profits | $7,144,000 | 3,432 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $836,000 | 3,014 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $24,000 | 1,380 |
| Income earned, not collected on loans | $903,000 | 2,571 |
| Earning assets | $161,595,000 | 2,624 |
| Long-term assets (5+ years) | $14,599,000 | 3,146 |
| Average Assets, year-to-date | $163,989,600 | 2,712 |
| Average Assets, quarterly | $169,404,500 | 2,700 |
| Volatile liabilities | $6,381,000 | 6,096 |
| Insider loans | $4,915,000 | 911 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $552,000 | 983 |
| Unused loan commitments | $29,342,000 | 1,505 |
| Tier 1 (core) risk-based capital | $14,000,000 | 3,067 |
| Tier 2 risk-based capital | $1,311,000 | 2,278 |
| Total risk weighted assets | $106,699,200 | 2,556 |
| Total unused commitments | $29,342,000 | 1,514 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 65 | 3,120 |
| Assets and Liabilities | ||
| Total Assets: | $137,354,000 | 3,258 |
| Cash and due from depository institutions | $7,964,000 | 3,120 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $32,649,000 | 3,974 |
| Federal funds sold & reverse repurchase agreements | $2,250,000 | 3,491 |
| Net loans & leases | $91,273,000 | 2,857 |
| Loan loss allowance | $1,178,000 | 3,078 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,475,000 | 4,685 |
| Other real estate owned | $0 | 3,120 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,743,000 | 4,357 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $137,354,000 | 3,258 |
| Total liabilities | $125,744,000 | 3,221 |
| Total deposits | $125,010,000 | 3,035 |
| Interest-bearing deposits | $111,923,000 | 2,940 |
| Deposits held in domestic offices | $125,010,000 | 3,024 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $734,000 | 3,861 |
| Total equity capital | $11,610,000 | 3,493 |
| Total bank equity capital | $11,610,000 | 3,493 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,073,000 | 1,961 |
| Surplus | $4,821,000 | 2,856 |
| Undivided profits | $4,716,000 | 4,390 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $324,000 | 5,448 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $20,000 | 1,357 |
| Income earned, not collected on loans | $636,000 | 3,236 |
| Earning assets | $126,172,000 | 3,243 |
| Long-term assets (5+ years) | $10,034,000 | 4,109 |
| Average Assets, year-to-date | $132,587,800 | 3,282 |
| Average Assets, quarterly | $132,525,000 | 3,343 |
| Volatile liabilities | $5,985,000 | 6,099 |
| Insider loans | $5,137,000 | 828 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $25,189,000 | 1,614 |
| Tier 1 (core) risk-based capital | $11,633,000 | 3,542 |
| Tier 2 risk-based capital | $1,048,760 | 2,782 |
| Total risk weighted assets | $83,771,760 | 3,129 |
| Total unused commitments | $25,189,000 | 1,625 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 68 | 3,090 |
| Assets and Liabilities | ||
| Total Assets: | $133,537,000 | 3,409 |
| Cash and due from depository institutions | $6,922,000 | 3,090 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $38,907,000 | 3,560 |
| Federal funds sold & reverse repurchase agreements | $4,450,000 | 3,117 |
| Net loans & leases | $80,048,000 | 3,165 |
| Loan loss allowance | $1,315,000 | 2,933 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,348,000 | 5,067 |
| Other real estate owned | $79,000 | 3,090 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,783,000 | 3,812 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $133,537,000 | 3,409 |
| Total liabilities | $121,374,000 | 3,412 |
| Total deposits | $120,603,000 | 3,265 |
| Interest-bearing deposits | $107,405,000 | 3,168 |
| Deposits held in domestic offices | $120,603,000 | 3,255 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $771,000 | 3,841 |
| Total equity capital | $12,163,000 | 3,349 |
| Total bank equity capital | $12,163,000 | 3,349 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,073,000 | 1,984 |
| Surplus | $4,821,000 | 2,793 |
| Undivided profits | $5,269,000 | 4,181 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,018,000 | 3,105 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $17,000 | 1,494 |
| Income earned, not collected on loans | $547,000 | 3,374 |
| Earning assets | $123,405,000 | 3,380 |
| Long-term assets (5+ years) | $13,835,000 | 3,497 |
| Average Assets, year-to-date | $127,561,600 | 3,465 |
| Average Assets, quarterly | $130,032,500 | 3,468 |
| Volatile liabilities | $2,873,000 | 8,556 |
| Insider loans | $5,719,000 | 720 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $1,233,000 | 960 |
| Unused loan commitments | $25,741,000 | 1,594 |
| Tier 1 (core) risk-based capital | $12,163,000 | 3,270 |
| Tier 2 risk-based capital | $953,310 | 3,012 |
| Total risk weighted assets | $75,902,810 | 3,386 |
| Total unused commitments | $25,741,000 | 1,620 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 67 | 3,200 |
| Assets and Liabilities | ||
| Total Assets: | $122,635,000 | 3,769 |
| Cash and due from depository institutions | $6,295,000 | 3,200 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $27,238,000 | 4,834 |
| Federal funds sold & reverse repurchase agreements | $5,850,000 | 2,827 |
| Net loans & leases | $79,476,000 | 3,280 |
| Loan loss allowance | $1,182,000 | 3,261 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,453,000 | 4,790 |
| Other real estate owned | $778,000 | 3,200 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,545,000 | 4,494 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $122,635,000 | 3,769 |
| Total liabilities | $111,000,000 | 3,813 |
| Total deposits | $110,079,000 | 3,679 |
| Interest-bearing deposits | $98,696,000 | 3,579 |
| Deposits held in domestic offices | $110,079,000 | 3,671 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $921,000 | 3,522 |
| Total equity capital | $11,635,000 | 3,295 |
| Total bank equity capital | $11,635,000 | 3,295 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,073,000 | 2,058 |
| Surplus | $4,821,000 | 2,686 |
| Undivided profits | $4,741,000 | 4,361 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $487,000 | 5,729 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $464,000 | 4,392 |
| Earning assets | $112,564,000 | 3,750 |
| Long-term assets (5+ years) | $11,371,000 | 3,993 |
| Average Assets, year-to-date | $117,925,800 | 3,829 |
| Average Assets, quarterly | $120,060,500 | 3,812 |
| Volatile liabilities | $2,124,000 | 9,825 |
| Insider loans | $3,408,000 | 155 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $867,000 | 766 |
| Unused loan commitments | $23,147,000 | 1,648 |
| Tier 1 (core) risk-based capital | $11,635,000 | 3,235 |
| Tier 2 risk-based capital | $860,370 | 3,311 |
| Total risk weighted assets | $68,507,870 | 3,786 |
| Total unused commitments | $23,147,000 | 1,661 |
| Derivatives | $0 | 651 |