Call reports 2012
VIRGINIA BANK AND TRUST COMPANY — 2012
What VIRGINIA BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 173,076,000 | 169,627,000 | 169,125,000 | 170,318,000 |
| Total loans | 121,818,000 | 122,161,000 | 122,280,000 | 122,093,000 |
| Allowance for loan losses | 1,083,000 | 1,086,000 | 1,143,000 | 1,202,000 |
| Securities available for sale | 20,327,000 | 22,065,000 | 23,404,000 | 20,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,518,000 | 143,177,000 | 142,414,000 | 143,711,000 |
| Interest-bearing deposits | 102,776,000 | 100,835,000 | 101,116,000 | 100,957,000 |
| Noninterest-bearing deposits | 43,742,000 | 42,343,000 | 41,299,000 | 42,754,000 |
| Equity capital | 23,836,000 | 23,882,000 | 24,046,000 | 23,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,870,000 | 3,755,000 | 5,658,000 | 7,545,000 |
| Interest expense | 158,000 | 306,000 | 449,000 | 584,000 |
| Net interest income | 1,712,000 | 3,449,000 | 5,209,000 | 6,961,000 |
| Noninterest income | 459,000 | 940,000 | 1,467,000 | 1,981,000 |
| Noninterest expense | 1,500,000 | 3,010,000 | 4,516,000 | 5,993,000 |
| Provision for loan losses | 62,000 | 137,000 | 200,000 | 276,000 |
| Pretax income | 611,000 | 1,286,000 | 2,004,000 | 2,772,000 |
| Income tax | 208,000 | 438,000 | 683,000 | 944,000 |
| Net income | 403,000 | 848,000 | 1,321,000 | 1,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,328,000 | 25,363,000 | 25,437,000 | 25,537,000 |
| Total capital | 26,411,000 | 26,449,000 | 26,580,000 | 26,739,000 |
| Risk-weighted assets | 115,038,000 | 115,373,000 | 115,437,000 | 115,493,000 |