Call reports 2002
VANGUARD BANK & TRUST COMPANY — 2002
What VANGUARD BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 434,727,000 | 462,545,000 | 474,188,000 | 487,739,000 |
| Total loans | 330,815,000 | 341,470,000 | 362,419,000 | 371,157,000 |
| Allowance for loan losses | 4,368,000 | 4,915,000 | 5,248,000 | 5,431,000 |
| Securities available for sale | 64,147,000 | 78,680,000 | 74,118,000 | 65,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,886,000 | 361,411,000 | 371,503,000 | 382,146,000 |
| Interest-bearing deposits | 305,632,000 | 321,862,000 | 328,012,000 | 335,069,000 |
| Noninterest-bearing deposits | 39,254,000 | 39,549,000 | 43,491,000 | 47,077,000 |
| Equity capital | 39,663,000 | 41,342,000 | 45,288,000 | 46,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,451,000 | 12,770,000 | 19,612,000 | 26,339,000 |
| Interest expense | 1,889,000 | 3,761,000 | 5,593,000 | 7,335,000 |
| Net interest income | 4,562,000 | 9,009,000 | 14,019,000 | 19,004,000 |
| Noninterest income | 892,000 | 1,844,000 | 2,857,000 | 3,848,000 |
| Noninterest expense | 2,786,000 | 5,428,000 | 8,123,000 | 11,012,000 |
| Provision for loan losses | 300,000 | 991,000 | 1,415,000 | 1,839,000 |
| Pretax income | 2,368,000 | 4,434,000 | 7,324,000 | 9,987,000 |
| Income tax | 887,000 | 1,662,000 | 2,748,000 | 3,750,000 |
| Net income | 1,481,000 | 2,772,000 | 4,576,000 | 6,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,158,000 | 35,222,000 | 39,099,000 | 40,283,000 |
| Total capital | 38,526,000 | 40,137,000 | 44,347,000 | 45,714,000 |
| Risk-weighted assets | 373,916,000 | 396,566,000 | 438,233,000 | 445,475,000 |
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