Call reports 2015
FVCBANK — 2015
What FVCBANK 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 | 604,803,000 | 663,614,000 | 682,112,000 | 736,915,000 |
| Total loans | 525,084,000 | 560,033,000 | 562,388,000 | 623,559,000 |
| Allowance for loan losses | 5,628,000 | 5,576,000 | 5,382,000 | 6,239,000 |
| Securities available for sale | 45,945,000 | 51,917,000 | 53,703,000 | 64,555,000 |
| Securities held to maturity | 0 | 2,246,000 | 2,247,000 | 2,247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 531,965,000 | 588,079,000 | 596,235,000 | 626,640,000 |
| Interest-bearing deposits | 505,349,000 | 546,129,000 | 565,991,000 | 589,598,000 |
| Noninterest-bearing deposits | 26,616,000 | 41,950,000 | 30,244,000 | 37,042,000 |
| Equity capital | 68,516,000 | 69,698,000 | 71,850,000 | 72,859,000 |
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 | 6,317,000 | 12,873,000 | 19,618,000 | 26,557,000 |
| Interest expense | 889,000 | 1,789,000 | 2,741,000 | 3,665,000 |
| Net interest income | 5,428,000 | 11,084,000 | 16,877,000 | 22,892,000 |
| Noninterest income | 286,000 | 567,000 | 829,000 | 1,093,000 |
| Noninterest expense | 3,637,000 | 7,235,000 | 10,960,000 | 14,472,000 |
| Provision for loan losses | 63,000 | 168,000 | 228,000 | 1,073,000 |
| Pretax income | 2,148,000 | 4,382,000 | 6,652,000 | 8,507,000 |
| Income tax | 730,000 | 1,490,000 | 2,262,000 | 2,860,000 |
| Net income | 1,418,000 | 2,892,000 | 4,390,000 | 5,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,512,000 | 70,192,000 | 71,871,000 | 73,246,000 |
| Total capital | 74,139,000 | 75,768,000 | 77,253,000 | 79,485,000 |
| Risk-weighted assets | 542,973,000 | 585,061,000 | 596,970,000 | 651,270,000 |