Call reports 2015
VIRGINIA BANK AND TRUST COMPANY — 2015
What VIRGINIA BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 181,874,000 | 178,557,000 | 180,470,000 | 186,216,000 |
| Total loans | 129,976,000 | 129,861,000 | 132,957,000 | 133,321,000 |
| Allowance for loan losses | 1,344,000 | 1,345,000 | 1,231,000 | 1,328,000 |
| Securities available for sale | 26,367,000 | 27,887,000 | 30,033,000 | 29,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,522,000 | 152,395,000 | 153,981,000 | 159,852,000 |
| Interest-bearing deposits | 103,558,000 | 102,170,000 | 101,368,000 | 102,840,000 |
| Noninterest-bearing deposits | 51,964,000 | 50,225,000 | 52,613,000 | 57,012,000 |
| Equity capital | 23,985,000 | 23,909,000 | 24,018,000 | 23,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,787,000 | 3,604,000 | 5,463,000 | 7,322,000 |
| Interest expense | 74,000 | 147,000 | 216,000 | 284,000 |
| Net interest income | 1,713,000 | 3,457,000 | 5,247,000 | 7,038,000 |
| Noninterest income | 395,000 | 792,000 | 1,210,000 | 1,668,000 |
| Noninterest expense | 1,564,000 | 3,042,000 | 4,624,000 | 6,141,000 |
| Provision for loan losses | 1,000 | 4,000 | 17,000 | 24,000 |
| Pretax income | 576,000 | 1,237,000 | 1,868,000 | 2,667,000 |
| Income tax | 196,000 | 411,000 | 625,000 | 894,000 |
| Net income | 380,000 | 826,000 | 1,243,000 | 1,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,203,000 | 25,222,000 | 25,083,000 | 25,335,000 |
| Total capital | 26,547,000 | 26,566,000 | 26,314,000 | 26,663,000 |
| Risk-weighted assets | 134,146,000 | 136,402,000 | 133,898,000 | 137,011,000 |