Call reports 2007
VIRGINIA COMPANY BANK — 2007
What VIRGINIA COMPANY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 51,809,000 | 51,744,000 | 61,775,000 | 77,236,000 |
| Total loans | 32,754,000 | 35,485,000 | 42,694,000 | 58,396,000 |
| Allowance for loan losses | 475,000 | 520,000 | 615,000 | 771,000 |
| Securities available for sale | 6,973,000 | 8,979,000 | 6,019,000 | 4,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,156,000 | 34,908,000 | 43,773,000 | 57,906,000 |
| Interest-bearing deposits | 31,291,000 | 31,976,000 | 40,383,000 | 55,245,000 |
| Noninterest-bearing deposits | 2,865,000 | 2,932,000 | 3,390,000 | 2,661,000 |
| Equity capital | 10,941,000 | 10,627,000 | 10,284,000 | 9,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 702,000 | 1,531,000 | 2,389,000 | 3,396,000 |
| Interest expense | 375,000 | 838,000 | 1,333,000 | 1,915,000 |
| Net interest income | 327,000 | 693,000 | 1,056,000 | 1,481,000 |
| Noninterest income | 25,000 | 51,000 | 77,000 | 105,000 |
| Noninterest expense | 605,000 | 1,286,000 | 1,997,000 | 2,727,000 |
| Provision for loan losses | 79,000 | 124,000 | 219,000 | 375,000 |
| Pretax income | -332,000 | -666,000 | -1,085,000 | -1,505,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -332,000 | -666,000 | -1,085,000 | -1,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,944,000 | 10,632,000 | 10,237,000 | 9,843,000 |
| Total capital | 11,419,000 | 11,152,000 | 10,852,000 | 10,614,000 |
| Risk-weighted assets | 39,768,000 | 43,411,000 | 50,244,000 | 65,718,000 |
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