Call reports 2007
VIRGINIA BANK AND TRUST COMPANY — 2007
What VIRGINIA BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 154,585,000 | 153,983,000 | 151,001,000 | 150,250,000 |
| Total loans | 106,120,000 | 106,896,000 | 105,867,000 | 105,375,000 |
| Allowance for loan losses | 955,000 | 941,000 | 947,000 | 910,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,949,000 | 24,979,000 | 25,000,000 | 25,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,729,000 | 128,011,000 | 124,777,000 | 123,947,000 |
| Interest-bearing deposits | 94,296,000 | 94,431,000 | 95,397,000 | 93,625,000 |
| Noninterest-bearing deposits | 33,432,000 | 33,579,000 | 29,381,000 | 30,323,000 |
| Equity capital | 24,748,000 | 24,075,000 | 24,395,000 | 24,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,559,000 | 5,183,000 | 7,797,000 | 10,407,000 |
| Interest expense | 588,000 | 1,209,000 | 1,853,000 | 2,500,000 |
| Net interest income | 1,971,000 | 3,974,000 | 5,944,000 | 7,907,000 |
| Noninterest income | 384,000 | 826,000 | 1,297,000 | 1,793,000 |
| Noninterest expense | 1,310,000 | 2,645,000 | 3,986,000 | 5,324,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,045,000 | 2,155,000 | 3,255,000 | 4,376,000 |
| Income tax | 354,000 | 732,000 | 1,107,000 | 1,491,000 |
| Net income | 691,000 | 1,423,000 | 2,148,000 | 2,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,416,000 | 24,743,000 | 25,063,000 | 25,390,000 |
| Total capital | 26,371,000 | 25,684,000 | 26,009,000 | 26,300,000 |
| Risk-weighted assets | 105,737,000 | 107,693,000 | 106,824,000 | 104,539,000 |
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