Call reports 2012
VIRGINIA COMMUNITY BANK — 2012
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 221,404,000 | 214,493,000 | 217,201,000 | 225,001,000 |
| Total loans | 143,953,000 | 143,906,000 | 146,687,000 | 144,491,000 |
| Allowance for loan losses | 6,037,000 | 5,201,000 | 5,314,000 | 5,593,000 |
| Securities available for sale | 56,472,000 | 54,442,000 | 51,449,000 | 60,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,409,000 | 182,364,000 | 184,280,000 | 192,458,000 |
| Interest-bearing deposits | 144,282,000 | 139,090,000 | 140,338,000 | 145,352,000 |
| Noninterest-bearing deposits | 43,127,000 | 43,274,000 | 43,942,000 | 47,106,000 |
| Equity capital | 17,892,000 | 18,799,000 | 19,448,000 | 19,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,577,000 | 5,205,000 | 7,810,000 | 10,416,000 |
| Interest expense | 378,000 | 743,000 | 1,071,000 | 1,399,000 |
| Net interest income | 2,199,000 | 4,462,000 | 6,739,000 | 9,017,000 |
| Noninterest income | 286,000 | 599,000 | 743,000 | 303,000 |
| Noninterest expense | 1,887,000 | 3,849,000 | 5,720,000 | 7,561,000 |
| Provision for loan losses | 313,000 | 643,000 | 832,000 | 1,163,000 |
| Pretax income | 449,000 | 827,000 | 1,210,000 | 869,000 |
| Income tax | 148,000 | 272,000 | 398,000 | 278,000 |
| Net income | 301,000 | 555,000 | 812,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,218,000 | 17,572,000 | 17,929,000 | 17,958,000 |
| Total capital | 19,277,000 | 19,629,000 | 20,001,000 | 20,038,000 |
| Risk-weighted assets | 159,982,000 | 161,417,000 | 162,594,000 | 162,892,000 |