Call reports 2007
VANGUARD BANK & TRUST COMPANY — 2007
What VANGUARD BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 648,238,000 | 668,348,000 | 649,722,000 | 642,686,000 |
| Total loans | 567,308,000 | 587,677,000 | 581,406,000 | 565,319,000 |
| Allowance for loan losses | 9,790,000 | 8,307,000 | 13,837,000 | 7,587,000 |
| Securities available for sale | 39,027,000 | 38,745,000 | 38,852,000 | 39,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 552,658,000 | 559,990,000 | 523,972,000 | 512,596,000 |
| Interest-bearing deposits | 506,900,000 | 500,400,000 | 505,269,000 | 493,522,000 |
| Noninterest-bearing deposits | 45,758,000 | 59,590,000 | 18,703,000 | 19,074,000 |
| Equity capital | 76,432,000 | 74,465,000 | 68,340,000 | 62,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,273,000 | 24,782,000 | 37,147,000 | 47,813,000 |
| Interest expense | 4,434,000 | 9,208,000 | 14,041,000 | 18,720,000 |
| Net interest income | 7,839,000 | 15,574,000 | 23,106,000 | 29,093,000 |
| Noninterest income | 1,289,000 | 2,667,000 | 4,073,000 | 5,562,000 |
| Noninterest expense | 3,717,000 | 7,379,000 | 11,083,000 | 14,980,000 |
| Provision for loan losses | 0 | -1,547,000 | 4,227,000 | 12,652,000 |
| Pretax income | 5,561,000 | 12,559,000 | 12,019,000 | 7,173,000 |
| Income tax | 1,961,000 | 4,461,000 | 4,109,000 | 2,137,000 |
| Net income | 3,600,000 | 8,098,000 | 7,910,000 | 5,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,995,000 | 70,208,000 | 63,720,000 | 57,275,000 |
| Total capital | 79,980,000 | 78,515,000 | 71,949,000 | 64,862,000 |
| Risk-weighted assets | 637,023,000 | 665,422,000 | 652,685,000 | 641,188,000 |
Machine access — free, no API key
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