Call reports 2006
VIRGINIA COMMUNITY BANK — 2006
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 180,102,000 | 168,519,000 | 166,422,000 | 168,294,000 |
| Total loans | 118,587,000 | 107,428,000 | 105,705,000 | 105,164,000 |
| Allowance for loan losses | 1,795,000 | 1,881,000 | 1,933,000 | 1,911,000 |
| Securities available for sale | 45,354,000 | 43,556,000 | 43,003,000 | 40,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,437,000 | 150,152,000 | 146,925,000 | 148,645,000 |
| Interest-bearing deposits | 111,961,000 | 110,001,000 | 111,563,000 | 113,202,000 |
| Noninterest-bearing deposits | 40,476,000 | 40,151,000 | 35,362,000 | 35,443,000 |
| Equity capital | 17,028,000 | 17,388,000 | 18,412,000 | 18,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,852,000 | 5,752,000 | 8,650,000 | 11,446,000 |
| Interest expense | 651,000 | 1,326,000 | 2,017,000 | 2,805,000 |
| Net interest income | 2,201,000 | 4,426,000 | 6,633,000 | 8,641,000 |
| Noninterest income | 370,000 | 743,000 | 1,100,000 | 1,558,000 |
| Noninterest expense | 1,576,000 | 3,110,000 | 4,750,000 | 6,576,000 |
| Provision for loan losses | 11,000 | 113,000 | 205,000 | 210,000 |
| Pretax income | 973,000 | 1,934,000 | 2,766,000 | 3,401,000 |
| Income tax | 305,000 | 605,000 | 864,000 | 1,061,000 |
| Net income | 668,000 | 1,329,000 | 1,902,000 | 2,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,664,000 | 18,314,000 | 18,873,000 | 18,818,000 |
| Total capital | 19,459,000 | 20,022,000 | 20,545,000 | 20,482,000 |
| Risk-weighted assets | 146,172,000 | 136,468,000 | 133,495,000 | 132,877,000 |