Call reports 2005
VIRGINIA COMMONWEALTH BANK — 2005
What VIRGINIA COMMONWEALTH BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 300,486,000 | 309,218,000 | 303,584,000 | 300,347,000 |
| Total loans | 219,148,000 | 226,384,000 | 230,557,000 | 231,814,000 |
| Allowance for loan losses | 2,164,000 | 1,943,000 | 2,025,000 | 2,158,000 |
| Securities available for sale | 50,162,000 | 50,337,000 | 50,417,000 | 44,355,000 |
| Securities held to maturity | 433,000 | 437,000 | 440,000 | 443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,639,000 | 267,329,000 | 261,673,000 | 258,890,000 |
| Interest-bearing deposits | 244,322,000 | 246,446,000 | 249,339,000 | 242,814,000 |
| Noninterest-bearing deposits | 17,317,000 | 20,883,000 | 12,334,000 | 16,076,000 |
| Equity capital | 24,009,000 | 24,673,000 | 24,994,000 | 25,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,907,000 | 8,082,000 | 12,386,000 | 16,814,000 |
| Interest expense | 1,133,000 | 2,363,000 | 3,686,000 | 5,128,000 |
| Net interest income | 2,774,000 | 5,719,000 | 8,700,000 | 11,686,000 |
| Noninterest income | 419,000 | 918,000 | 1,495,000 | 1,997,000 |
| Noninterest expense | 2,114,000 | 4,389,000 | 6,762,000 | 9,152,000 |
| Provision for loan losses | 137,000 | 275,000 | 412,000 | 559,000 |
| Pretax income | 942,000 | 1,973,000 | 3,021,000 | 3,968,000 |
| Income tax | 255,000 | 539,000 | 831,000 | 1,085,000 |
| Net income | 687,000 | 1,434,000 | 2,190,000 | 2,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,095,000 | 21,542,000 | 21,998,000 | 22,391,000 |
| Total capital | 23,258,000 | 23,485,000 | 24,023,000 | 24,549,000 |
| Risk-weighted assets | 223,216,000 | 230,083,000 | 233,872,000 | 231,093,000 |