Call reports 2001
VANGUARD BANK & TRUST COMPANY — 2001
What VANGUARD BANK & TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 403,253,000 | 414,070,000 | 408,386,000 | 426,878,000 |
| Total loans | 295,309,000 | 301,441,000 | 299,718,000 | 319,760,000 |
| Allowance for loan losses | 4,288,000 | 4,457,000 | 4,256,000 | 4,211,000 |
| Securities available for sale | 74,192,000 | 78,602,000 | 74,678,000 | 67,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,036,000 | 318,039,000 | 316,996,000 | 332,159,000 |
| Interest-bearing deposits | 291,339,000 | 283,949,000 | 282,989,000 | 295,100,000 |
| Noninterest-bearing deposits | 30,697,000 | 34,090,000 | 34,007,000 | 37,059,000 |
| Equity capital | 37,928,000 | 37,946,000 | 37,558,000 | 38,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 8,047,000 | 15,670,000 | 22,946,000 | 29,813,000 |
| Interest expense | 3,636,000 | 6,769,000 | 9,460,000 | 11,550,000 |
| Net interest income | 4,411,000 | 8,901,000 | 13,486,000 | 18,263,000 |
| Noninterest income | 827,000 | 1,699,000 | 2,552,000 | 3,378,000 |
| Noninterest expense | 2,587,000 | 5,147,000 | 7,690,000 | 9,988,000 |
| Provision for loan losses | 261,000 | 522,000 | 736,000 | 944,000 |
| Pretax income | 2,390,000 | 4,974,000 | 7,655,000 | 10,752,000 |
| Income tax | 943,000 | 1,899,000 | 2,912,000 | 4,107,000 |
| Net income | 1,447,000 | 3,075,000 | 4,743,000 | 6,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,069,000 | 32,015,000 | 31,112,000 | 32,980,000 |
| Total capital | 36,094,000 | 36,034,000 | 35,135,000 | 37,191,000 |
| Risk-weighted assets | 321,699,000 | 321,070,000 | 321,576,000 | 367,491,000 |
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