Village Bank and Trust Financial Corp. is a bank holding company whose activities consist of investment in its wholly owned subsidiary, Village Bank (the Bank). It offers a range of banking and related financial services, including checking, savings, certificates of deposit and other depository services, and commercial, real estate and consumer loans. In addition, it provides investment services through a separate division of the Bank, Village Investment Services. The Company is a community-oriented and locally managed financial institution focusing on providing personalized services to its customers. As of December 31, 2011, the Company had 14 full service banking offices. As of December 31, 2011, the net loan portfolio was $412,567,000. All of the Company�s investment securities are classified as available-for-sale. Its deposits consisted of demand accounts, interest checking accounts, money market accounts, savings accounts, and time deposits of $100,000 and over.