Call reports 2003
VIRGINIA COMMUNITY BANK — 2003
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 151,306,000 | 156,237,000 | 160,478,000 | 157,091,000 |
| Total loans | 100,783,000 | 108,039,000 | 109,392,000 | 110,559,000 |
| Allowance for loan losses | 1,174,000 | 1,275,000 | 1,366,000 | 1,413,000 |
| Securities available for sale | 22,499,000 | 21,342,000 | 21,863,000 | 29,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,074,000 | 142,536,000 | 146,324,000 | 142,723,000 |
| Interest-bearing deposits | 108,770,000 | 109,778,000 | 111,531,000 | 111,541,000 |
| Noninterest-bearing deposits | 29,304,000 | 32,758,000 | 34,793,000 | 31,182,000 |
| Equity capital | 12,331,000 | 12,893,000 | 13,293,000 | 13,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,176,000 | 4,417,000 | 6,720,000 | 9,002,000 |
| Interest expense | 590,000 | 1,153,000 | 1,684,000 | 2,161,000 |
| Net interest income | 1,586,000 | 3,264,000 | 5,036,000 | 6,841,000 |
| Noninterest income | 340,000 | 654,000 | 1,116,000 | 1,598,000 |
| Noninterest expense | 1,252,000 | 2,517,000 | 3,861,000 | 5,258,000 |
| Provision for loan losses | 90,000 | 210,000 | 345,000 | 506,000 |
| Pretax income | 604,000 | 1,211,000 | 1,966,000 | 2,695,000 |
| Income tax | 196,000 | 391,000 | 637,000 | 870,000 |
| Net income | 408,000 | 820,000 | 1,329,000 | 1,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,206,000 | 12,621,000 | 13,118,000 | 13,198,000 |
| Total capital | 13,380,000 | 13,896,000 | 14,484,000 | 14,611,000 |
| Risk-weighted assets | 119,203,000 | 126,696,000 | 129,122,000 | 127,095,000 |