Call reports 2010
VIRGINIA COMMUNITY BANK — 2010
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 210,884,000 | 226,647,000 | 225,276,000 | 221,904,000 |
| Total loans | 166,297,000 | 159,912,000 | 155,089,000 | 153,123,000 |
| Allowance for loan losses | 3,728,000 | 4,018,000 | 4,423,000 | 5,763,000 |
| Securities available for sale | 22,846,000 | 35,813,000 | 40,963,000 | 50,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,129,000 | 185,901,000 | 183,749,000 | 181,347,000 |
| Interest-bearing deposits | 148,928,000 | 150,082,000 | 148,081,000 | 146,303,000 |
| Noninterest-bearing deposits | 34,201,000 | 35,819,000 | 35,668,000 | 35,044,000 |
| Equity capital | 16,931,000 | 19,794,000 | 20,498,000 | 17,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,921,000 | 5,833,000 | 8,732,000 | 11,548,000 |
| Interest expense | 636,000 | 1,257,000 | 1,898,000 | 2,439,000 |
| Net interest income | 2,285,000 | 4,576,000 | 6,834,000 | 9,109,000 |
| Noninterest income | 235,000 | 666,000 | 1,148,000 | 1,195,000 |
| Noninterest expense | 1,963,000 | 3,886,000 | 5,923,000 | 7,946,000 |
| Provision for loan losses | 477,000 | 960,000 | 1,504,000 | 4,915,000 |
| Pretax income | 160,000 | 484,000 | 741,000 | -2,204,000 |
| Income tax | 38,000 | 142,000 | 225,000 | -753,000 |
| Net income | 122,000 | 342,000 | 516,000 | -1,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,012,000 | 19,686,000 | 19,860,000 | 17,893,000 |
| Total capital | 19,279,000 | 21,928,000 | 22,063,000 | 20,133,000 |
| Risk-weighted assets | 179,920,000 | 177,575,000 | 174,030,000 | 175,650,000 |