Call reports 2005
VIRGINIA BANK AND TRUST COMPANY — 2005
What VIRGINIA BANK AND TRUST COMPANY 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 | 152,821,000 | 148,991,000 | 153,876,000 | 152,749,000 |
| Total loans | 102,922,000 | 103,575,000 | 104,947,000 | 105,573,000 |
| Allowance for loan losses | 930,000 | 925,000 | 937,000 | 927,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,269,000 | 29,228,000 | 29,186,000 | 31,110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,835,000 | 123,911,000 | 128,502,000 | 127,211,000 |
| Interest-bearing deposits | 98,500,000 | 96,922,000 | 98,832,000 | 95,177,000 |
| Noninterest-bearing deposits | 29,335,000 | 26,989,000 | 29,670,000 | 32,034,000 |
| Equity capital | 24,301,000 | 24,543,000 | 24,804,000 | 25,126,000 |
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 | 2,029,000 | 4,124,000 | 6,272,000 | 8,543,000 |
| Interest expense | 372,000 | 755,000 | 1,165,000 | 1,585,000 |
| Net interest income | 1,657,000 | 3,369,000 | 5,107,000 | 6,958,000 |
| Noninterest income | 318,000 | 678,000 | 1,048,000 | 1,459,000 |
| Noninterest expense | 1,107,000 | 2,237,000 | 3,373,000 | 4,539,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 838,000 | 1,750,000 | 2,692,000 | 3,758,000 |
| Income tax | 284,000 | 594,000 | 915,000 | 1,279,000 |
| Net income | 554,000 | 1,156,000 | 1,777,000 | 2,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,301,000 | 24,543,000 | 24,804,000 | 25,126,000 |
| Total capital | 25,231,000 | 25,468,000 | 25,741,000 | 26,053,000 |
| Risk-weighted assets | 102,635,000 | 102,596,000 | 104,486,000 | 102,773,000 |