Call reports 2005
VIRGINIA NATIONAL BANK — 2005
What VIRGINIA NATIONAL BANK 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 | 274,079,000 | 283,021,000 | 281,837,000 | 285,328,000 |
| Total loans | 178,812,000 | 188,670,000 | 193,006,000 | 194,646,000 |
| Allowance for loan losses | 2,096,000 | 2,193,000 | 2,260,000 | 2,262,000 |
| Securities available for sale | 19,501,000 | 18,623,000 | 18,011,000 | 37,755,000 |
| Securities held to maturity | 18,810,000 | 17,255,000 | 20,605,000 | 19,551,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,949,000 | 250,187,000 | 246,547,000 | 247,343,000 |
| Interest-bearing deposits | 176,380,000 | 176,670,000 | 178,961,000 | 180,094,000 |
| Noninterest-bearing deposits | 65,569,000 | 73,517,000 | 67,586,000 | 67,249,000 |
| Equity capital | 24,641,000 | 25,477,000 | 27,059,000 | 27,913,000 |
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 | 3,305,000 | 6,904,000 | 10,806,000 | 14,861,000 |
| Interest expense | 530,000 | 1,164,000 | 1,936,000 | 2,832,000 |
| Net interest income | 2,775,000 | 5,740,000 | 8,870,000 | 12,029,000 |
| Noninterest income | 316,000 | 716,000 | 1,310,000 | 1,784,000 |
| Noninterest expense | 2,150,000 | 4,320,000 | 6,600,000 | 8,967,000 |
| Provision for loan losses | 30,000 | 125,000 | 193,000 | 198,000 |
| Pretax income | 911,000 | 2,011,000 | 3,387,000 | 4,648,000 |
| Income tax | 304,000 | 674,000 | 1,137,000 | 1,562,000 |
| Net income | 607,000 | 1,337,000 | 2,250,000 | 3,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,773,000 | 25,523,000 | 27,176,000 | 28,130,000 |
| Total capital | 26,869,000 | 27,716,000 | 29,436,000 | 30,392,000 |
| Risk-weighted assets | 201,262,000 | 211,344,000 | 217,821,000 | 215,282,000 |