Call reports 2010
VIRGINIA BUSINESS BANK — 2010
What VIRGINIA BUSINESS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 159,664,000 | 148,229,000 | 128,987,000 | 107,065,000 |
| Total loans | 108,192,000 | 102,472,000 | 95,449,000 | 83,003,000 |
| Allowance for loan losses | 5,243,000 | 5,378,000 | 7,314,000 | 4,330,000 |
| Securities available for sale | 9,971,000 | 10,033,000 | 10,050,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,922,000 | 130,637,000 | 114,067,000 | 93,721,000 |
| Interest-bearing deposits | 127,242,000 | 125,195,000 | 110,200,000 | 91,571,000 |
| Noninterest-bearing deposits | 6,680,000 | 5,442,000 | 3,867,000 | 2,150,000 |
| Equity capital | 7,817,000 | 6,737,000 | 3,884,000 | 3,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,859,000 | 3,602,000 | 5,214,000 | 6,655,000 |
| Interest expense | 817,000 | 1,575,000 | 2,254,000 | 2,816,000 |
| Net interest income | 1,042,000 | 2,027,000 | 2,960,000 | 3,839,000 |
| Noninterest income | 9,000 | 16,000 | 3,000 | 40,000 |
| Noninterest expense | 1,091,000 | 2,143,000 | 3,779,000 | 4,913,000 |
| Provision for loan losses | 1,550,000 | 2,613,000 | 4,721,000 | 5,810,000 |
| Pretax income | -1,590,000 | -2,713,000 | -5,537,000 | -6,769,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,590,000 | -2,713,000 | -5,537,000 | -6,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,806,000 | 6,670,000 | 3,806,000 | 3,330,000 |
| Total capital | 10,219,000 | 9,001,000 | 6,065,000 | 4,710,000 |
| Risk-weighted assets | 99,623,000 | 92,871,000 | 84,928,000 | 77,629,000 |
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