Call reports 2008
VIRGINIA BANK AND TRUST COMPANY — 2008
What VIRGINIA BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 152,749,000 | 148,914,000 | 147,525,000 | 149,080,000 |
| Total loans | 106,001,000 | 106,124,000 | 109,350,000 | 112,095,000 |
| Allowance for loan losses | 905,000 | 899,000 | 896,000 | 877,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,173,000 | 23,998,000 | 23,877,000 | 23,944,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,275,000 | 123,338,000 | 121,839,000 | 122,933,000 |
| Interest-bearing deposits | 93,832,000 | 91,779,000 | 91,338,000 | 92,634,000 |
| Noninterest-bearing deposits | 32,443,000 | 31,559,000 | 30,501,000 | 30,299,000 |
| Equity capital | 24,890,000 | 24,044,000 | 24,171,000 | 23,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,406,000 | 4,647,000 | 6,839,000 | 8,979,000 |
| Interest expense | 614,000 | 1,161,000 | 1,671,000 | 2,148,000 |
| Net interest income | 1,792,000 | 3,486,000 | 5,168,000 | 6,831,000 |
| Noninterest income | 424,000 | 879,000 | 1,360,000 | 1,863,000 |
| Noninterest expense | 1,308,000 | 2,618,000 | 3,976,000 | 5,370,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 911,000 | 1,750,000 | 2,555,000 | 3,328,000 |
| Income tax | 309,000 | 595,000 | 868,000 | 1,128,000 |
| Net income | 602,000 | 1,155,000 | 1,687,000 | 2,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,386,000 | 24,540,000 | 24,667,000 | 24,752,000 |
| Total capital | 26,291,000 | 25,439,000 | 25,563,000 | 25,629,000 |
| Risk-weighted assets | 105,314,000 | 105,552,000 | 106,824,000 | 109,224,000 |