Call reports 2009
VIRGINIA HERITAGE BANK — 2009
What VIRGINIA HERITAGE BANK 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 | 276,667,000 | 290,952,000 | 318,808,000 | 341,034,000 |
| Total loans | 235,739,000 | 262,603,000 | 288,273,000 | 305,992,000 |
| Allowance for loan losses | 2,594,000 | 2,851,000 | 3,300,000 | 3,543,000 |
| Securities available for sale | 15,535,000 | 14,569,000 | 14,870,000 | 17,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,068,000 | 216,876,000 | 243,152,000 | 258,457,000 |
| Interest-bearing deposits | 160,403,000 | 169,787,000 | 197,846,000 | 219,628,000 |
| Noninterest-bearing deposits | 40,665,000 | 47,089,000 | 45,306,000 | 38,830,000 |
| Equity capital | 30,059,000 | 29,995,000 | 30,471,000 | 31,020,000 |
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 | 3,408,000 | 7,107,000 | 11,183,000 | 15,753,000 |
| Interest expense | 1,230,000 | 2,480,000 | 3,810,000 | 5,164,000 |
| Net interest income | 2,178,000 | 4,627,000 | 7,373,000 | 10,589,000 |
| Noninterest income | 1,015,000 | 2,189,000 | 3,049,000 | 3,830,000 |
| Noninterest expense | 2,636,000 | 5,722,000 | 8,470,000 | 11,346,000 |
| Provision for loan losses | 483,000 | 833,000 | 1,595,000 | 2,021,000 |
| Pretax income | 217,000 | 482,000 | 805,000 | 1,502,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 217,000 | 482,000 | 805,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,671,000 | 29,959,000 | 30,305,000 | 31,026,000 |
| Total capital | 32,265,000 | 32,810,000 | 33,605,000 | 34,569,000 |
| Risk-weighted assets | 230,201,000 | 253,433,000 | 283,233,000 | 306,309,000 |