Call reports 2004
VANGUARD BANK & TRUST COMPANY — 2004
What VANGUARD BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 508,051,000 | 523,162,000 | 551,951,000 | 578,752,000 |
| Total loans | 420,259,000 | 451,293,000 | 478,837,000 | 498,821,000 |
| Allowance for loan losses | 6,139,000 | 6,107,000 | 6,521,000 | 6,812,000 |
| Securities available for sale | 43,618,000 | 37,768,000 | 34,527,000 | 29,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,553,000 | 442,451,000 | 483,086,000 | 511,008,000 |
| Interest-bearing deposits | 360,923,000 | 375,397,000 | 406,734,000 | 420,949,000 |
| Noninterest-bearing deposits | 55,630,000 | 67,054,000 | 76,352,000 | 90,059,000 |
| Equity capital | 51,984,000 | 52,658,000 | 58,780,000 | 59,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,621,000 | 13,396,000 | 20,770,000 | 28,934,000 |
| Interest expense | 1,122,000 | 2,209,000 | 3,360,000 | 4,630,000 |
| Net interest income | 5,499,000 | 11,187,000 | 17,410,000 | 24,304,000 |
| Noninterest income | 1,184,000 | 2,225,000 | 3,406,000 | 4,600,000 |
| Noninterest expense | 3,035,000 | 5,852,000 | 8,771,000 | 12,048,000 |
| Provision for loan losses | 350,000 | 675,000 | 1,400,000 | 1,775,000 |
| Pretax income | 3,298,000 | 6,885,000 | 10,622,000 | 14,833,000 |
| Income tax | 1,240,000 | 2,590,000 | 3,998,000 | 5,585,000 |
| Net income | 2,058,000 | 4,295,000 | 6,624,000 | 9,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,792,000 | 48,014,000 | 53,804,000 | 55,240,000 |
| Total capital | 52,886,000 | 54,121,000 | 60,325,000 | 62,052,000 |
| Risk-weighted assets | 487,470,000 | 530,678,000 | 577,463,000 | 595,963,000 |
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