Call reports 2006
VANGUARD BANK & TRUST COMPANY — 2006
What VANGUARD BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 674,033,000 | 704,378,000 | 697,064,000 | 667,117,000 |
| Total loans | 597,532,000 | 627,514,000 | 600,653,000 | 577,314,000 |
| Allowance for loan losses | 8,416,000 | 9,540,000 | 9,872,000 | 9,818,000 |
| Securities available for sale | 37,006,000 | 39,580,000 | 40,764,000 | 40,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 534,042,000 | 589,294,000 | 608,379,000 | 586,491,000 |
| Interest-bearing deposits | 437,925,000 | 500,324,000 | 522,796,000 | 521,018,000 |
| Noninterest-bearing deposits | 96,117,000 | 88,970,000 | 85,583,000 | 65,473,000 |
| Equity capital | 68,688,000 | 70,399,000 | 73,278,000 | 75,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 11,466,000 | 24,455,000 | 38,276,000 | 51,643,000 |
| Interest expense | 2,983,000 | 7,118,000 | 11,850,000 | 16,610,000 |
| Net interest income | 8,483,000 | 17,337,000 | 26,426,000 | 35,033,000 |
| Noninterest income | 1,114,000 | 2,541,000 | 3,814,000 | 5,179,000 |
| Noninterest expense | 3,207,000 | 6,575,000 | 10,006,000 | 13,815,000 |
| Provision for loan losses | 335,000 | 1,240,000 | 1,546,000 | 1,000,000 |
| Pretax income | 5,990,000 | 11,998,000 | 18,623,000 | 25,332,000 |
| Income tax | 2,199,000 | 4,327,000 | 6,666,000 | 9,053,000 |
| Net income | 3,791,000 | 7,671,000 | 11,957,000 | 16,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,602,000 | 66,521,000 | 68,959,000 | 70,725,000 |
| Total capital | 73,025,000 | 75,468,000 | 77,681,000 | 79,004,000 |
| Risk-weighted assets | 691,609,000 | 717,190,000 | 696,619,000 | 657,167,000 |