Call reports 2013
FVCBANK — 2013
What FVCBANK 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 | 419,495,000 | 456,143,000 | 474,486,000 | 506,717,000 |
| Total loans | 331,581,000 | 347,361,000 | 375,333,000 | 411,040,000 |
| Allowance for loan losses | 3,861,000 | 4,110,000 | 4,291,000 | 4,792,000 |
| Securities available for sale | 30,461,000 | 40,895,000 | 53,853,000 | 54,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,973,000 | 392,992,000 | 409,987,000 | 429,989,000 |
| Interest-bearing deposits | 292,726,000 | 347,120,000 | 327,724,000 | 343,591,000 |
| Noninterest-bearing deposits | 82,247,000 | 45,872,000 | 82,263,000 | 86,398,000 |
| Equity capital | 39,668,000 | 59,831,000 | 60,633,000 | 60,904,000 |
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 | 4,434,000 | 8,836,000 | 13,466,000 | 18,490,000 |
| Interest expense | 750,000 | 1,463,000 | 2,210,000 | 2,961,000 |
| Net interest income | 3,684,000 | 7,373,000 | 11,256,000 | 15,529,000 |
| Noninterest income | 189,000 | 392,000 | 592,000 | 821,000 |
| Noninterest expense | 2,973,000 | 6,113,000 | 9,271,000 | 12,226,000 |
| Provision for loan losses | 104,000 | 313,000 | 493,000 | 803,000 |
| Pretax income | 951,000 | 1,494,000 | 2,289,000 | 3,525,000 |
| Income tax | 323,000 | 507,000 | 778,000 | 1,297,000 |
| Net income | 628,000 | 987,000 | 1,511,000 | 2,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,909,000 | 58,279,000 | 58,990,000 | 59,737,000 |
| Total capital | 40,770,000 | 62,389,000 | 63,281,000 | 64,530,000 |
| Risk-weighted assets | 323,970,000 | 340,293,000 | 363,097,000 | 406,198,000 |