Call reports 2009
VIRGINIA BANK AND TRUST COMPANY — 2009
What VIRGINIA BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 152,021,000 | 149,844,000 | 150,061,000 | 151,478,000 |
| Total loans | 111,183,000 | 110,686,000 | 112,750,000 | 114,482,000 |
| Allowance for loan losses | 909,000 | 896,000 | 866,000 | 891,000 |
| Securities available for sale | 0 | 8,222,000 | 8,236,000 | 8,115,000 |
| Securities held to maturity | 23,939,000 | 16,618,000 | 15,382,000 | 15,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,911,000 | 123,649,000 | 123,634,000 | 125,645,000 |
| Interest-bearing deposits | 92,596,000 | 92,104,000 | 91,538,000 | 92,277,000 |
| Noninterest-bearing deposits | 33,316,000 | 31,545,000 | 32,097,000 | 33,368,000 |
| Equity capital | 23,361,000 | 23,397,000 | 23,497,000 | 24,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,025,000 | 4,021,000 | 5,983,000 | 7,971,000 |
| Interest expense | 402,000 | 728,000 | 1,028,000 | 1,312,000 |
| Net interest income | 1,623,000 | 3,293,000 | 4,955,000 | 6,659,000 |
| Noninterest income | 429,000 | 895,000 | 1,418,000 | 1,933,000 |
| Noninterest expense | 1,444,000 | 2,911,000 | 4,413,000 | 5,730,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 580,000 | 1,249,000 | 1,961,000 | 2,893,000 |
| Income tax | 197,000 | 425,000 | 667,000 | 988,000 |
| Net income | 383,000 | 824,000 | 1,294,000 | 1,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,724,000 | 24,769,000 | 24,826,000 | 25,032,000 |
| Total capital | 25,633,000 | 25,666,000 | 25,692,000 | 25,923,000 |
| Risk-weighted assets | 109,242,000 | 110,370,000 | 111,734,000 | 110,362,000 |
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