Call reports 2006
VIRGINIA BANK AND TRUST COMPANY — 2006
What VIRGINIA BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 152,107,000 | 148,326,000 | 152,875,000 | 151,537,000 |
| Total loans | 105,772,000 | 107,749,000 | 108,427,000 | 107,754,000 |
| Allowance for loan losses | 943,000 | 990,000 | 979,000 | 955,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 30,071,000 | 30,050,000 | 25,032,000 | 21,956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,915,000 | 122,047,000 | 126,474,000 | 125,077,000 |
| Interest-bearing deposits | 92,804,000 | 90,155,000 | 93,949,000 | 93,687,000 |
| Noninterest-bearing deposits | 33,111,000 | 31,892,000 | 32,524,000 | 31,389,000 |
| Equity capital | 25,388,000 | 25,722,000 | 25,384,000 | 24,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,300,000 | 4,675,000 | 7,123,000 | 9,675,000 |
| Interest expense | 403,000 | 822,000 | 1,330,000 | 1,905,000 |
| Net interest income | 1,897,000 | 3,853,000 | 5,793,000 | 7,770,000 |
| Noninterest income | 352,000 | 755,000 | 1,145,000 | 1,567,000 |
| Noninterest expense | 1,193,000 | 2,392,000 | 3,666,000 | 4,938,000 |
| Provision for loan losses | 45,000 | 90,000 | 140,000 | 140,000 |
| Pretax income | 1,011,000 | 2,126,000 | 3,132,000 | 4,259,000 |
| Income tax | 349,000 | 730,000 | 1,074,000 | 1,451,000 |
| Net income | 662,000 | 1,396,000 | 2,058,000 | 2,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,388,000 | 25,722,000 | 25,384,000 | 25,330,000 |
| Total capital | 26,331,000 | 26,712,000 | 26,363,000 | 26,285,000 |
| Risk-weighted assets | 103,538,000 | 104,250,000 | 106,128,000 | 104,624,000 |