Call reports 2004
VIRGINIA COMMUNITY BANK — 2004
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 164,497,000 | 173,028,000 | 169,684,000 | 170,780,000 |
| Total loans | 111,681,000 | 115,275,000 | 112,125,000 | 114,311,000 |
| Allowance for loan losses | 1,496,000 | 1,588,000 | 1,660,000 | 1,750,000 |
| Securities available for sale | 29,406,000 | 30,460,000 | 35,083,000 | 38,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,575,000 | 158,148,000 | 153,701,000 | 154,929,000 |
| Interest-bearing deposits | 117,318,000 | 117,692,000 | 116,988,000 | 115,667,000 |
| Noninterest-bearing deposits | 32,257,000 | 40,456,000 | 36,713,000 | 39,262,000 |
| Equity capital | 13,973,000 | 14,075,000 | 15,095,000 | 14,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,278,000 | 4,582,000 | 6,996,000 | 9,483,000 |
| Interest expense | 463,000 | 935,000 | 1,405,000 | 1,870,000 |
| Net interest income | 1,815,000 | 3,647,000 | 5,591,000 | 7,613,000 |
| Noninterest income | 429,000 | 890,000 | 1,305,000 | 1,701,000 |
| Noninterest expense | 1,345,000 | 2,710,000 | 4,098,000 | 5,596,000 |
| Provision for loan losses | 150,000 | 300,000 | 445,000 | 579,000 |
| Pretax income | 749,000 | 1,527,000 | 2,354,000 | 3,140,000 |
| Income tax | 244,000 | 496,000 | 762,000 | 1,005,000 |
| Net income | 505,000 | 1,031,000 | 1,592,000 | 2,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,708,000 | 14,208,000 | 14,780,000 | 14,870,000 |
| Total capital | 15,204,000 | 15,796,000 | 16,411,000 | 16,546,000 |
| Risk-weighted assets | 129,983,000 | 134,386,000 | 131,892,000 | 134,005,000 |