Call reports 2002
VIRGINIA COMMUNITY BANK — 2002
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 144,865,000 | 149,349,000 | 148,479,000 | 150,858,000 |
| Total loans | 93,633,000 | 94,696,000 | 95,866,000 | 100,700,000 |
| Allowance for loan losses | 1,092,000 | 1,100,000 | 1,197,000 | 1,167,000 |
| Securities available for sale | 24,648,000 | 27,907,000 | 24,236,000 | 20,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,277,000 | 137,209,000 | 135,890,000 | 137,932,000 |
| Interest-bearing deposits | 106,972,000 | 108,217,000 | 107,299,000 | 110,114,000 |
| Noninterest-bearing deposits | 26,305,000 | 28,992,000 | 28,591,000 | 27,818,000 |
| Equity capital | 10,793,000 | 11,393,000 | 11,863,000 | 11,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,262,000 | 4,553,000 | 6,903,000 | 9,148,000 |
| Interest expense | 747,000 | 1,456,000 | 2,127,000 | 2,787,000 |
| Net interest income | 1,515,000 | 3,097,000 | 4,776,000 | 6,361,000 |
| Noninterest income | 143,000 | 435,000 | 754,000 | 1,064,000 |
| Noninterest expense | 1,173,000 | 2,346,000 | 3,564,000 | 4,800,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 405,000 |
| Pretax income | 350,000 | 926,000 | 1,571,000 | 2,230,000 |
| Income tax | 106,000 | 292,000 | 501,000 | 645,000 |
| Net income | 244,000 | 634,000 | 1,070,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,828,000 | 11,218,000 | 11,676,000 | 11,798,000 |
| Total capital | 11,920,000 | 12,318,000 | 12,873,000 | 12,965,000 |
| Risk-weighted assets | 110,733,000 | 114,396,000 | 115,089,000 | 118,285,000 |