Call reports 2007
VIRGINIA COMMUNITY BANK — 2007
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 168,989,000 | 170,871,000 | 167,235,000 | 159,128,000 |
| Total loans | 104,785,000 | 108,988,000 | 107,081,000 | 112,519,000 |
| Allowance for loan losses | 1,973,000 | 2,680,000 | 2,863,000 | 2,426,000 |
| Securities available for sale | 38,815,000 | 40,330,000 | 37,700,000 | 32,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,991,000 | 151,308,000 | 147,970,000 | 133,432,000 |
| Interest-bearing deposits | 113,347,000 | 113,806,000 | 112,300,000 | 99,098,000 |
| Noninterest-bearing deposits | 35,644,000 | 37,502,000 | 35,670,000 | 34,334,000 |
| Equity capital | 18,864,000 | 18,446,000 | 18,013,000 | 18,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,631,000 | 5,439,000 | 8,354,000 | 11,152,000 |
| Interest expense | 812,000 | 1,700,000 | 2,580,000 | 3,368,000 |
| Net interest income | 1,819,000 | 3,739,000 | 5,774,000 | 7,784,000 |
| Noninterest income | 341,000 | 701,000 | 1,117,000 | 1,443,000 |
| Noninterest expense | 1,702,000 | 3,518,000 | 5,355,000 | 7,236,000 |
| Provision for loan losses | 106,000 | 907,000 | 1,132,000 | 727,000 |
| Pretax income | 352,000 | 15,000 | 228,000 | 1,092,000 |
| Income tax | 85,000 | -67,000 | -36,000 | 232,000 |
| Net income | 267,000 | 82,000 | 264,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,091,000 | 18,903,000 | 18,195,000 | 18,192,000 |
| Total capital | 20,763,000 | 20,632,000 | 19,879,000 | 19,933,000 |
| Risk-weighted assets | 133,489,000 | 137,351,000 | 133,529,000 | 138,579,000 |