Call reports 2004
VIRGINIA BANK AND TRUST COMPANY — 2004
What VIRGINIA BANK AND TRUST COMPANY 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 | 148,806,000 | 146,970,000 | 149,616,000 | 150,916,000 |
| Total loans | 97,388,000 | 101,386,000 | 106,477,000 | 105,174,000 |
| Allowance for loan losses | 900,000 | 931,000 | 954,000 | 935,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 36,476,000 | 36,424,000 | 31,373,000 | 31,314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,972,000 | 122,958,000 | 125,278,000 | 126,447,000 |
| Interest-bearing deposits | 98,610,000 | 97,194,000 | 98,074,000 | 98,259,000 |
| Noninterest-bearing deposits | 26,362,000 | 25,764,000 | 27,204,000 | 28,188,000 |
| Equity capital | 23,308,000 | 23,560,000 | 23,889,000 | 24,107,000 |
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 | 1,975,000 | 3,980,000 | 6,017,000 | 8,103,000 |
| Interest expense | 375,000 | 720,000 | 1,065,000 | 1,429,000 |
| Net interest income | 1,600,000 | 3,260,000 | 4,952,000 | 6,674,000 |
| Noninterest income | 338,000 | 696,000 | 1,053,000 | 1,423,000 |
| Noninterest expense | 1,149,000 | 2,263,000 | 3,373,000 | 4,555,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 759,000 | 1,633,000 | 2,585,000 | 3,465,000 |
| Income tax | 258,000 | 555,000 | 878,000 | 1,180,000 |
| Net income | 501,000 | 1,078,000 | 1,707,000 | 2,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,308,000 | 23,560,000 | 23,889,000 | 24,107,000 |
| Total capital | 24,208,000 | 24,491,000 | 24,843,000 | 25,042,000 |
| Risk-weighted assets | 99,610,000 | 102,333,000 | 107,206,000 | 104,641,000 |