Call reports 2003
VIRGINIA NATIONAL BANK — 2003
What VIRGINIA NATIONAL BANK 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 | 186,736,000 | 198,921,000 | 207,515,000 | 213,745,000 |
| Total loans | 130,834,000 | 141,580,000 | 142,079,000 | 148,627,000 |
| Allowance for loan losses | 1,343,000 | 1,663,000 | 1,474,000 | 1,639,000 |
| Securities available for sale | 12,994,000 | 13,400,000 | 14,572,000 | 18,744,000 |
| Securities held to maturity | 18,336,000 | 16,485,000 | 18,653,000 | 19,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,687,000 | 172,598,000 | 178,528,000 | 184,315,000 |
| Interest-bearing deposits | 119,140,000 | 124,861,000 | 131,645,000 | 137,687,000 |
| Noninterest-bearing deposits | 39,547,000 | 47,737,000 | 46,883,000 | 46,628,000 |
| Equity capital | 20,594,000 | 20,878,000 | 21,896,000 | 22,459,000 |
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 | 2,453,000 | 5,009,000 | 7,622,000 | 10,243,000 |
| Interest expense | 392,000 | 795,000 | 1,139,000 | 1,465,000 |
| Net interest income | 2,061,000 | 4,214,000 | 6,483,000 | 8,778,000 |
| Noninterest income | 185,000 | 399,000 | 616,000 | 1,105,000 |
| Noninterest expense | 1,754,000 | 3,528,000 | 5,279,000 | 7,041,000 |
| Provision for loan losses | 140,000 | 460,000 | 660,000 | 830,000 |
| Pretax income | 352,000 | 625,000 | 1,160,000 | 2,012,000 |
| Income tax | 108,000 | 193,000 | 364,000 | 638,000 |
| Net income | 244,000 | 432,000 | 796,000 | 1,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,122,000 | 20,310,000 | 21,504,000 | 22,082,000 |
| Total capital | 21,465,000 | 21,973,000 | 22,978,000 | 23,721,000 |
| Risk-weighted assets | 151,746,000 | 162,381,000 | 163,539,000 | 168,537,000 |
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