Call reports 2005
VIRGINIA COMMUNITY BANK — 2005
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 170,326,000 | 170,597,000 | 176,082,000 | 177,019,000 |
| Total loans | 114,397,000 | 112,144,000 | 110,725,000 | 112,539,000 |
| Allowance for loan losses | 1,801,000 | 1,846,000 | 1,817,000 | 1,812,000 |
| Securities available for sale | 36,191,000 | 35,996,000 | 43,029,000 | 46,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,089,000 | 153,801,000 | 158,531,000 | 152,386,000 |
| Interest-bearing deposits | 116,926,000 | 114,345,000 | 115,023,000 | 111,120,000 |
| Noninterest-bearing deposits | 37,163,000 | 39,456,000 | 43,508,000 | 41,266,000 |
| Equity capital | 15,187,000 | 15,917,000 | 16,524,000 | 16,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,559,000 | 5,115,000 | 7,808,000 | 10,578,000 |
| Interest expense | 463,000 | 943,000 | 1,427,000 | 1,947,000 |
| Net interest income | 2,096,000 | 4,172,000 | 6,381,000 | 8,631,000 |
| Noninterest income | 411,000 | 795,000 | 1,172,000 | 1,581,000 |
| Noninterest expense | 1,503,000 | 3,020,000 | 4,524,000 | 6,062,000 |
| Provision for loan losses | 118,000 | 226,000 | 241,000 | 260,000 |
| Pretax income | 886,000 | 1,721,000 | 2,788,000 | 3,890,000 |
| Income tax | 289,000 | 560,000 | 909,000 | 1,250,000 |
| Net income | 597,000 | 1,161,000 | 1,879,000 | 2,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,461,000 | 16,024,000 | 16,736,000 | 17,005,000 |
| Total capital | 17,143,000 | 17,685,000 | 18,412,000 | 18,767,000 |
| Risk-weighted assets | 134,587,000 | 132,715,000 | 133,945,000 | 140,943,000 |