Call reports 2003
VANGUARD BANK & TRUST COMPANY — 2003
What VANGUARD BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 480,866,000 | 481,185,000 | 476,687,000 | 490,391,000 |
| Total loans | 380,530,000 | 374,476,000 | 374,622,000 | 400,102,000 |
| Allowance for loan losses | 5,702,000 | 5,984,000 | 5,909,000 | 5,788,000 |
| Securities available for sale | 55,705,000 | 51,072,000 | 51,785,000 | 51,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,407,000 | 394,845,000 | 395,659,000 | 399,154,000 |
| Interest-bearing deposits | 353,266,000 | 339,502,000 | 340,295,000 | 341,825,000 |
| Noninterest-bearing deposits | 44,141,000 | 55,343,000 | 55,364,000 | 57,329,000 |
| Equity capital | 46,503,000 | 48,119,000 | 49,189,000 | 49,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,397,000 | 12,928,000 | 19,163,000 | 26,210,000 |
| Interest expense | 1,537,000 | 3,019,000 | 4,275,000 | 5,373,000 |
| Net interest income | 4,860,000 | 9,909,000 | 14,888,000 | 20,837,000 |
| Noninterest income | 903,000 | 1,903,000 | 2,849,000 | 3,893,000 |
| Noninterest expense | 2,732,000 | 5,516,000 | 8,260,000 | 11,456,000 |
| Provision for loan losses | 300,000 | 600,000 | 850,000 | 860,000 |
| Pretax income | 2,731,000 | 5,696,000 | 8,627,000 | 12,323,000 |
| Income tax | 1,028,000 | 2,144,000 | 3,247,000 | 4,653,000 |
| Net income | 1,703,000 | 3,552,000 | 5,380,000 | 7,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,708,000 | 42,710,000 | 43,931,000 | 44,623,000 |
| Total capital | 46,410,000 | 48,694,000 | 49,840,000 | 50,411,000 |
| Risk-weighted assets | 460,121,000 | 479,992,000 | 480,426,000 | 495,535,000 |
Machine access — free, no API key
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