Call reports 2005
VANGUARD BANK & TRUST COMPANY — 2005
What VANGUARD BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 629,658,000 | 640,786,000 | 630,391,000 | 639,818,000 |
| Total loans | 537,961,000 | 564,718,000 | 556,361,000 | 559,017,000 |
| Allowance for loan losses | 7,372,000 | 7,940,000 | 8,112,000 | 8,015,000 |
| Securities available for sale | 35,473,000 | 29,009,000 | 34,662,000 | 36,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 552,541,000 | 563,436,000 | 544,575,000 | 553,330,000 |
| Interest-bearing deposits | 450,568,000 | 453,427,000 | 442,910,000 | 447,014,000 |
| Noninterest-bearing deposits | 101,973,000 | 110,009,000 | 101,665,000 | 106,316,000 |
| Equity capital | 62,733,000 | 66,614,000 | 68,524,000 | 66,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,707,000 | 18,508,000 | 29,033,000 | 40,017,000 |
| Interest expense | 1,368,000 | 3,167,000 | 5,323,000 | 7,837,000 |
| Net interest income | 7,339,000 | 15,341,000 | 23,710,000 | 32,180,000 |
| Noninterest income | 1,168,000 | 2,432,000 | 3,559,000 | 4,732,000 |
| Noninterest expense | 3,004,000 | 6,013,000 | 8,840,000 | 12,183,000 |
| Provision for loan losses | 525,000 | 1,125,000 | 1,650,000 | 2,425,000 |
| Pretax income | 4,978,000 | 10,662,000 | 16,806,000 | 22,320,000 |
| Income tax | 1,907,000 | 4,028,000 | 6,350,000 | 8,434,000 |
| Net income | 3,071,000 | 6,634,000 | 10,456,000 | 13,886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,364,000 | 61,971,000 | 64,106,000 | 62,555,000 |
| Total capital | 65,736,000 | 69,920,000 | 72,218,000 | 70,577,000 |
| Risk-weighted assets | 647,414,000 | 667,983,000 | 658,398,000 | 665,632,000 |