Call reports 2006
VIRGINIA COMMONWEALTH BANK — 2006
What VIRGINIA COMMONWEALTH BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 302,026,000 | 303,945,000 | 313,968,000 | 308,471,000 |
| Total loans | 238,747,000 | 241,753,000 | 247,926,000 | 245,608,000 |
| Allowance for loan losses | 2,202,000 | 2,280,000 | 2,340,000 | 2,236,000 |
| Securities available for sale | 39,617,000 | 39,323,000 | 39,112,000 | 36,349,000 |
| Securities held to maturity | 447,000 | 450,000 | 454,000 | 457,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,176,000 | 253,922,000 | 254,926,000 | 251,748,000 |
| Interest-bearing deposits | 215,352,000 | 213,129,000 | 207,274,000 | 207,471,000 |
| Noninterest-bearing deposits | 44,824,000 | 40,793,000 | 47,652,000 | 44,278,000 |
| Equity capital | 25,308,000 | 24,876,000 | 25,539,000 | 25,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,519,000 | 9,160,000 | 13,930,000 | 18,757,000 |
| Interest expense | 1,612,000 | 3,425,000 | 5,405,000 | 7,462,000 |
| Net interest income | 2,907,000 | 5,735,000 | 8,525,000 | 11,295,000 |
| Noninterest income | 482,000 | 1,040,000 | 1,767,000 | 2,368,000 |
| Noninterest expense | 2,362,000 | 4,794,000 | 7,290,000 | 9,814,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 125,000 |
| Pretax income | 952,000 | 1,831,000 | 2,777,000 | 3,749,000 |
| Income tax | 250,000 | 487,000 | 745,000 | 1,020,000 |
| Net income | 702,000 | 1,344,000 | 2,032,000 | 2,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,793,000 | 22,535,000 | 22,923,000 | 23,121,000 |
| Total capital | 24,995,000 | 24,815,000 | 25,263,000 | 25,357,000 |
| Risk-weighted assets | 233,594,000 | 234,222,000 | 236,943,000 | 233,148,000 |