Call reports 2009
FVCBANK — 2009
What FVCBANK 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 | 102,422,000 | 123,800,000 | 132,425,000 | 141,935,000 |
| Total loans | 69,174,000 | 81,350,000 | 97,684,000 | 107,764,000 |
| Allowance for loan losses | 789,000 | 945,000 | 1,260,000 | 1,881,000 |
| Securities available for sale | 20,622,000 | 30,471,000 | 22,403,000 | 16,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,094,000 | 104,094,000 | 112,638,000 | 118,046,000 |
| Interest-bearing deposits | 64,348,000 | 89,254,000 | 94,677,000 | 97,778,000 |
| Noninterest-bearing deposits | 17,746,000 | 14,839,000 | 17,961,000 | 20,269,000 |
| Equity capital | 19,327,000 | 18,706,000 | 18,677,000 | 18,088,000 |
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 | 1,200,000 | 2,609,000 | 4,253,000 | 6,058,000 |
| Interest expense | 411,000 | 863,000 | 1,374,000 | 1,859,000 |
| Net interest income | 789,000 | 1,746,000 | 2,879,000 | 4,199,000 |
| Noninterest income | 26,000 | 57,000 | 96,000 | 137,000 |
| Noninterest expense | 1,191,000 | 2,497,000 | 3,697,000 | 4,909,000 |
| Provision for loan losses | 115,000 | 271,000 | 587,000 | 1,208,000 |
| Pretax income | -486,000 | -841,000 | -1,159,000 | -1,565,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -486,000 | -841,000 | -1,159,000 | -1,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,980,000 | 18,658,000 | 18,362,000 | 18,026,000 |
| Total capital | 19,769,000 | 19,603,000 | 19,622,000 | 19,685,000 |
| Risk-weighted assets | 84,639,000 | 92,346,000 | 108,385,000 | 132,505,000 |