Call reports 2012
VIRGINIA HERITAGE BANK — 2012
What VIRGINIA HERITAGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 618,491,000 | 699,743,000 | 731,455,000 | 781,573,000 |
| Total loans | 494,516,000 | 537,952,000 | 585,617,000 | 635,683,000 |
| Allowance for loan losses | 7,053,000 | 6,992,000 | 7,786,000 | 8,262,000 |
| Securities available for sale | 105,102,000 | 135,024,000 | 110,673,000 | 118,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 527,327,000 | 616,311,000 | 622,065,000 | 660,138,000 |
| Interest-bearing deposits | 460,502,000 | 453,098,000 | 449,590,000 | 477,348,000 |
| Noninterest-bearing deposits | 66,825,000 | 163,213,000 | 172,475,000 | 182,790,000 |
| Equity capital | 63,636,000 | 65,573,000 | 68,253,000 | 69,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,140,000 | 14,579,000 | 22,595,000 | 30,814,000 |
| Interest expense | 1,655,000 | 3,247,000 | 4,730,000 | 6,147,000 |
| Net interest income | 5,485,000 | 11,332,000 | 17,865,000 | 24,667,000 |
| Noninterest income | 2,215,000 | 5,027,000 | 8,370,000 | 12,882,000 |
| Noninterest expense | 5,006,000 | 10,345,000 | 16,456,000 | 24,627,000 |
| Provision for loan losses | 960,000 | 1,810,000 | 2,610,000 | 3,410,000 |
| Pretax income | 2,133,000 | 5,213,000 | 8,682,000 | 11,271,000 |
| Income tax | 690,000 | 1,692,000 | 2,815,000 | 3,625,000 |
| Net income | 1,443,000 | 3,521,000 | 5,867,000 | 7,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,348,000 | 65,270,000 | 67,599,000 | 69,359,000 |
| Total capital | 69,984,000 | 72,262,000 | 75,385,000 | 77,383,000 |
| Risk-weighted assets | 530,495,000 | 582,758,000 | 624,822,000 | 641,652,000 |