Call reports 2012
VIRGINIA COMMONWEALTH BANK — 2012
What VIRGINIA COMMONWEALTH 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 | 323,659,000 | 320,809,000 | 317,097,000 | 337,304,000 |
| Total loans | 241,990,000 | 241,490,000 | 242,826,000 | 239,238,000 |
| Allowance for loan losses | 3,308,000 | 3,340,000 | 3,338,000 | 3,094,000 |
| Securities available for sale | 39,872,000 | 34,287,000 | 31,262,000 | 34,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,187,000 | 268,479,000 | 268,028,000 | 284,377,000 |
| Interest-bearing deposits | 225,865,000 | 222,360,000 | 221,153,000 | 224,707,000 |
| Noninterest-bearing deposits | 48,322,000 | 46,119,000 | 46,875,000 | 59,670,000 |
| Equity capital | 26,976,000 | 27,016,000 | 26,940,000 | 30,283,000 |
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 | 3,587,000 | 7,174,000 | 10,643,000 | 14,151,000 |
| Interest expense | 893,000 | 1,756,000 | 2,607,000 | 3,436,000 |
| Net interest income | 2,694,000 | 5,418,000 | 8,036,000 | 10,715,000 |
| Noninterest income | 528,000 | 1,064,000 | 1,877,000 | 2,840,000 |
| Noninterest expense | 3,054,000 | 6,087,000 | 9,060,000 | 11,819,000 |
| Provision for loan losses | 96,000 | 642,000 | 1,323,000 | 1,895,000 |
| Pretax income | 81,000 | 256,000 | 489,000 | 799,000 |
| Income tax | 6,000 | 28,000 | 99,000 | 185,000 |
| Net income | 75,000 | 228,000 | 390,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,584,000 | 24,736,000 | 24,899,000 | 28,714,000 |
| Total capital | 27,403,000 | 27,550,000 | 27,729,000 | 31,514,000 |
| Risk-weighted assets | 225,029,000 | 224,614,000 | 225,899,000 | 223,744,000 |