Call reports 2009
VIRGINIA BUSINESS BANK — 2009
What VIRGINIA BUSINESS 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 | 162,855,000 | 161,618,000 | 154,736,000 | 151,790,000 |
| Total loans | 138,801,000 | 128,334,000 | 124,644,000 | 118,911,000 |
| Allowance for loan losses | 2,112,000 | 4,576,000 | 4,662,000 | 3,833,000 |
| Securities available for sale | 21,112,000 | 18,375,000 | 17,164,000 | 9,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,379,000 | 136,846,000 | 130,673,000 | 125,907,000 |
| Interest-bearing deposits | 130,687,000 | 122,443,000 | 115,006,000 | 117,284,000 |
| Noninterest-bearing deposits | 3,693,000 | 14,403,000 | 15,667,000 | 8,623,000 |
| Equity capital | 11,709,000 | 7,623,000 | 7,291,000 | 9,435,000 |
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 | 2,289,000 | 4,549,000 | 6,622,000 | 8,626,000 |
| Interest expense | 1,186,000 | 2,353,000 | 3,416,000 | 4,286,000 |
| Net interest income | 1,103,000 | 2,196,000 | 3,206,000 | 4,340,000 |
| Noninterest income | 9,000 | 18,000 | 34,000 | -90,000 |
| Noninterest expense | 1,054,000 | 2,312,000 | 3,494,000 | 4,873,000 |
| Provision for loan losses | 101,000 | 3,952,000 | 4,202,000 | 4,253,000 |
| Pretax income | 16,000 | -3,857,000 | -4,263,000 | -4,178,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,000 | -3,857,000 | -4,263,000 | -4,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,118,000 | 7,272,000 | 6,786,000 | 9,431,000 |
| Total capital | 14,333,000 | 10,353,000 | 9,786,000 | 11,971,000 |
| Risk-weighted assets | 136,814,000 | 126,441,000 | 119,775,000 | 111,453,000 |