Call reports 2001
VIRGINIA COMMUNITY BANK — 2001
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 134,926,000 | 140,247,000 | 142,981,000 | 142,251,000 |
| Total loans | 99,439,000 | 101,372,000 | 97,980,000 | 94,564,000 |
| Allowance for loan losses | 1,104,000 | 1,006,000 | 998,000 | 971,000 |
| Securities available for sale | 17,669,000 | 17,116,000 | 14,218,000 | 18,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,729,000 | 128,955,000 | 131,352,000 | 130,676,000 |
| Interest-bearing deposits | 102,644,000 | 105,796,000 | 107,074,000 | 107,261,000 |
| Noninterest-bearing deposits | 21,085,000 | 23,159,000 | 24,278,000 | 23,415,000 |
| Equity capital | 10,057,000 | 10,294,000 | 10,688,000 | 10,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,647,000 | 5,276,000 | 7,821,000 | 10,233,000 |
| Interest expense | 1,207,000 | 2,445,000 | 3,571,000 | 4,469,000 |
| Net interest income | 1,440,000 | 2,831,000 | 4,250,000 | 5,764,000 |
| Noninterest income | 225,000 | 477,000 | 737,000 | 994,000 |
| Noninterest expense | 1,098,000 | 2,212,000 | 3,366,000 | 4,496,000 |
| Provision for loan losses | 150,000 | 300,000 | 400,000 | 540,000 |
| Pretax income | 432,000 | 811,000 | 1,236,000 | 1,737,000 |
| Income tax | 133,000 | 248,000 | 378,000 | 529,000 |
| Net income | 299,000 | 563,000 | 858,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,004,000 | 10,261,000 | 10,570,000 | 10,583,000 |
| Total capital | 11,108,000 | 11,267,000 | 11,568,000 | 11,554,000 |
| Risk-weighted assets | 110,853,000 | 113,882,000 | 112,494,000 | 110,723,000 |