Call reports 2011
VIRGINIA COMMUNITY BANK — 2011
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 226,406,000 | 228,156,000 | 225,277,000 | 228,876,000 |
| Total loans | 153,737,000 | 145,214,000 | 144,753,000 | 145,840,000 |
| Allowance for loan losses | 6,099,000 | 5,020,000 | 5,443,000 | 5,724,000 |
| Securities available for sale | 46,129,000 | 48,706,000 | 52,983,000 | 52,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,905,000 | 191,994,000 | 188,563,000 | 193,152,000 |
| Interest-bearing deposits | 149,559,000 | 153,192,000 | 150,639,000 | 154,264,000 |
| Noninterest-bearing deposits | 38,346,000 | 38,802,000 | 37,924,000 | 38,888,000 |
| Equity capital | 17,540,000 | 18,100,000 | 18,546,000 | 17,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,795,000 | 5,502,000 | 8,237,000 | 10,840,000 |
| Interest expense | 485,000 | 965,000 | 1,403,000 | 1,790,000 |
| Net interest income | 2,310,000 | 4,537,000 | 6,834,000 | 9,050,000 |
| Noninterest income | 276,000 | -31,000 | 33,000 | 330,000 |
| Noninterest expense | 2,034,000 | 4,285,000 | 6,399,000 | 8,625,000 |
| Provision for loan losses | 754,000 | 748,000 | 1,512,000 | 2,217,000 |
| Pretax income | -138,000 | -385,000 | -850,000 | -1,312,000 |
| Income tax | -51,000 | -140,000 | -303,000 | -336,000 |
| Net income | -87,000 | -245,000 | -547,000 | -976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,807,000 | 17,648,000 | 17,346,000 | 16,874,000 |
| Total capital | 20,078,000 | 19,736,000 | 19,480,000 | 18,975,000 |
| Risk-weighted assets | 179,596,000 | 169,232,000 | 167,445,000 | 164,435,000 |