Call reports 2002
VIRGINIA BANK AND TRUST COMPANY — 2002
What VIRGINIA BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 146,258,000 | 146,134,000 | 148,045,000 | 147,815,000 |
| Total loans | 95,218,000 | 97,608,000 | 98,200,000 | 95,785,000 |
| Allowance for loan losses | 895,000 | 813,000 | 849,000 | 862,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,286,000 | 31,262,000 | 31,409,000 | 33,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,174,000 | 123,681,000 | 125,294,000 | 124,864,000 |
| Interest-bearing deposits | 101,495,000 | 100,076,000 | 102,218,000 | 100,984,000 |
| Noninterest-bearing deposits | 22,679,000 | 23,605,000 | 23,076,000 | 23,880,000 |
| Equity capital | 21,063,000 | 21,675,000 | 21,659,000 | 22,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,380,000 | 4,787,000 | 7,163,000 | 9,487,000 |
| Interest expense | 745,000 | 1,438,000 | 2,083,000 | 2,690,000 |
| Net interest income | 1,635,000 | 3,349,000 | 5,080,000 | 6,797,000 |
| Noninterest income | 262,000 | 537,000 | 823,000 | 1,117,000 |
| Noninterest expense | 1,007,000 | 2,024,000 | 3,057,000 | 4,092,000 |
| Provision for loan losses | 35,000 | 80,000 | 135,000 | 163,000 |
| Pretax income | 855,000 | 1,782,000 | 2,711,000 | 3,659,000 |
| Income tax | 293,000 | 608,000 | 923,000 | 1,246,000 |
| Net income | 562,000 | 1,174,000 | 1,788,000 | 2,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,063,000 | 21,675,000 | 21,659,000 | 22,284,000 |
| Total capital | 21,958,000 | 22,488,000 | 22,508,000 | 23,146,000 |
| Risk-weighted assets | 92,623,000 | 94,859,000 | 95,586,000 | 94,278,000 |