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Village Bank <br />Legal Title of Bank <br />FDIC Certificate Number: 33761 <br />Schedule RI -A —Changes in Bank Equity Capital <br />Indicate decreases and losses in parentheses. Dollar Amounts in Thousands RIAD Bil I Mil I Thou <br />1. Total bank equity capital most recently reported for the December 31, 2011, Reports of Condition <br />and Income (i.e., after adjustments from amended Reports of Income) <br />2. Cumulative effect of changes in accounting principles and corrections of material accounting errors* <br />3. Balance end of previous calendar year as restated (sum of items 1 and 2) <br />4. Net income (loss) attributable to bank (must equal Schedule RI, item 14) <br />5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions) <br />6. Treasury stock transactions, net <br />7. Changes incident to business combinations, net <br />8. LESS: Cash dividends declared on preferred stock <br />9. LESS: Cash dividends declared on common stock <br />10. Other comprehensive income(1) <br />11. Other transactions with parent holding company* (not included in items 5, 6, 8, or 9 above) <br />12. Total bank equity capital end of current period (sum of items 3 through 11)(must equal <br />Schedule RC, item 27.a) <br />3217 <br />B507 <br />B508 <br />4340 <br />B509 <br />8510 <br />4356 <br />4470 <br />4460 <br />B511 <br />4415 <br />3210 <br />9,208 <br />0 <br />9,208 <br />(1,467) <br />0 <br />0 <br />0 <br />0 <br />0 <br />(16) <br />0 <br />7,725 <br />* Describe on Schedule RI-E - Explanations. <br />(1) Includes changes in net unrealized holding gains (losses) on available -for -sale securities, changes in accumulated net gains (losses) on cash <br />flow hedges, and pension and other postretirement plan -related changes other than net periodic benefit cost. <br />Schedule RI-B—Charge-offs and Recoveries on Loans and Leases <br />and Changes in Allowance for Loan and Lease Losses <br />Part I. Charge -offs and Recoveries on Loans and Leases <br />Part I includes charge -offs and recoveries through the <br />allocated transfer risk reserve. <br />Dollar Amounts in Thousands <br />1. Loans secured by real estate: <br />a. Construction, land development, and other land loans: <br />(1) 1-4 family residential construction loans <br />(2) Other construction loans and all land development <br />and other land loans <br />b. Secured by farmland <br />c. Secured by 1-4 family residential properties: <br />(1) Revolving, open-end loans secured by 1-4 family residential <br />properties and extended under lines of credit <br />(2) Closed -end loans secured by 1-4 family residential properties: <br />(a) Secured by first liens <br />(b) Secured by junior liens <br />d. Secured by multifamily (5 or more) residential properties <br />e. Secured by nonfarm nonresidential properties: <br />(1) Loans secured by owner -occupied nonfarm nonresidential properties <br />(2) Loans secured by other nonfarm nonresidential properrPq <br />2. Loans to depository institutions and acceptances of other banks <br />3. Not applicable <br />4. Commercial and industrial loan <br />5. Loans to individuals for household, family, and other personal expenditures: <br />a. Credit cards <br />b. Automobile Loans <br />c. Other (includes revolving credit plans other than credit cards and <br />other consumer loans) <br />6. Loans to foreign governments and official institutions <br />7. All other loans (2) <br />8. Lease financing receivables <br />9. Total (sum of items 1 through 8) <br />(Column A) (Column B) <br />Charge-offs(1) I Recoveries <br />Calendar year-to-date <br />RIAD Bil I Mil I Thou RIAD Bil I Mil I Thou <br />K205 <br />4643 <br />4644 <br />4266 <br />4635 <br />4 K206 <br />0 4627 <br />201 4628 <br />01 4267 <br />3,841 4605 <br />FFIEC 041 <br />Page 9 of 71 <br />RI-5 <br />1 <br />2 <br />3 <br />4 <br />5 <br />6 <br />7 <br />8 <br />9 <br />10 <br />11 <br />12 <br />32 1.c.2.a <br />1 1.c.2.b <br />0 1.d <br />(1) Include write -downs arising from transfers of loans to a held -for -sale account. <br />(2) Includes charge -offs and recoveries on "Loans to finance agricultural production and other loans to farmers," "Obligations <br />