Call reports 2004
VIRGINIA NATIONAL BANK — 2004
What VIRGINIA NATIONAL BANK 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 | 225,576,000 | 229,130,000 | 235,147,000 | 277,004,000 |
| Total loans | 148,415,000 | 159,716,000 | 164,728,000 | 178,646,000 |
| Allowance for loan losses | 1,726,000 | 1,837,000 | 1,919,000 | 2,075,000 |
| Securities available for sale | 18,469,000 | 20,796,000 | 20,069,000 | 19,833,000 |
| Securities held to maturity | 17,466,000 | 21,537,000 | 20,476,000 | 19,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,985,000 | 201,344,000 | 205,490,000 | 245,891,000 |
| Interest-bearing deposits | 146,060,000 | 143,549,000 | 151,662,000 | 181,304,000 |
| Noninterest-bearing deposits | 51,925,000 | 57,795,000 | 53,828,000 | 64,587,000 |
| Equity capital | 22,955,000 | 22,816,000 | 23,518,000 | 24,103,000 |
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 | 2,636,000 | 5,382,000 | 8,332,000 | 11,393,000 |
| Interest expense | 314,000 | 652,000 | 1,020,000 | 1,449,000 |
| Net interest income | 2,322,000 | 4,730,000 | 7,312,000 | 9,944,000 |
| Noninterest income | 227,000 | 486,000 | 803,000 | 1,599,000 |
| Noninterest expense | 1,961,000 | 4,013,000 | 6,070,000 | 8,260,000 |
| Provision for loan losses | 94,000 | 204,000 | 286,000 | 442,000 |
| Pretax income | 494,000 | 999,000 | 1,759,000 | 2,841,000 |
| Income tax | 151,000 | 307,000 | 552,000 | 901,000 |
| Net income | 343,000 | 692,000 | 1,207,000 | 1,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,425,000 | 22,774,000 | 23,289,000 | 24,022,000 |
| Total capital | 24,151,000 | 24,611,000 | 25,208,000 | 26,097,000 |
| Risk-weighted assets | 172,948,000 | 179,926,000 | 183,487,000 | 201,777,000 |
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