Call reports 2009
VIRGINIA COMMUNITY BANK — 2009
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 203,531,000 | 204,816,000 | 207,393,000 | 208,477,000 |
| Total loans | 162,351,000 | 165,436,000 | 168,974,000 | 168,398,000 |
| Allowance for loan losses | 2,455,000 | 2,690,000 | 3,282,000 | 3,781,000 |
| Securities available for sale | 22,211,000 | 22,564,000 | 22,436,000 | 22,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,685,000 | 170,425,000 | 172,300,000 | 173,357,000 |
| Interest-bearing deposits | 139,560,000 | 137,876,000 | 138,943,000 | 140,247,000 |
| Noninterest-bearing deposits | 30,125,000 | 32,549,000 | 33,357,000 | 33,110,000 |
| Equity capital | 16,268,000 | 17,035,000 | 17,502,000 | 16,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,038,000 | 5,960,000 | 9,037,000 | 12,095,000 |
| Interest expense | 843,000 | 1,655,000 | 2,366,000 | 3,035,000 |
| Net interest income | 2,195,000 | 4,305,000 | 6,671,000 | 9,060,000 |
| Noninterest income | 405,000 | 778,000 | 1,122,000 | 1,478,000 |
| Noninterest expense | 1,920,000 | 3,853,000 | 6,070,000 | 8,088,000 |
| Provision for loan losses | 187,000 | 452,000 | 1,134,000 | 3,382,000 |
| Pretax income | 504,000 | 789,000 | 637,000 | -840,000 |
| Income tax | 151,000 | 231,000 | 162,000 | -337,000 |
| Net income | 353,000 | 558,000 | 475,000 | -503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,866,000 | 17,951,000 | 17,868,000 | 16,890,000 |
| Total capital | 20,138,000 | 20,241,000 | 20,201,000 | 19,204,000 |
| Risk-weighted assets | 181,572,000 | 182,910,000 | 185,654,000 | 183,640,000 |