Call reports 2013
VIRGINIA BANK AND TRUST COMPANY — 2013
What VIRGINIA BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 177,767,000 | 171,774,000 | 175,224,000 | 171,495,000 |
| Total loans | 123,819,000 | 122,782,000 | 125,649,000 | 127,920,000 |
| Allowance for loan losses | 1,246,000 | 1,187,000 | 1,198,000 | 1,256,000 |
| Securities available for sale | 21,629,000 | 23,578,000 | 25,138,000 | 24,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,899,000 | 146,178,000 | 149,620,000 | 146,725,000 |
| Interest-bearing deposits | 103,113,000 | 102,109,000 | 101,583,000 | 101,139,000 |
| Noninterest-bearing deposits | 47,786,000 | 44,069,000 | 48,036,000 | 45,587,000 |
| Equity capital | 23,796,000 | 22,640,000 | 22,604,000 | 23,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,812,000 | 3,655,000 | 5,568,000 | 7,416,000 |
| Interest expense | 121,000 | 234,000 | 342,000 | 438,000 |
| Net interest income | 1,691,000 | 3,421,000 | 5,226,000 | 6,978,000 |
| Noninterest income | 438,000 | 903,000 | 1,365,000 | 1,837,000 |
| Noninterest expense | 1,585,000 | 3,188,000 | 4,761,000 | 6,286,000 |
| Provision for loan losses | 64,000 | 884,000 | 951,000 | 1,022,000 |
| Pretax income | 480,000 | 275,000 | 902,000 | 1,530,000 |
| Income tax | 163,000 | 86,000 | 299,000 | 501,000 |
| Net income | 317,000 | 189,000 | 603,000 | 1,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,439,000 | 24,907,000 | 24,914,000 | 24,936,000 |
| Total capital | 26,685,000 | 26,094,000 | 26,112,000 | 26,192,000 |
| Risk-weighted assets | 118,994,000 | 118,437,000 | 121,345,000 | 122,382,000 |