Call reports 2013
VIRGINIA COMMUNITY BANK — 2013
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 225,833,000 | 209,431,000 | 211,780,000 | 205,551,000 |
| Total loans | 145,656,000 | 144,131,000 | 137,832,000 | 128,620,000 |
| Allowance for loan losses | 5,783,000 | 5,313,000 | 5,586,000 | 4,345,000 |
| Securities available for sale | 54,273,000 | 47,106,000 | 51,718,000 | 55,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,032,000 | 189,643,000 | 191,665,000 | 185,884,000 |
| Interest-bearing deposits | 144,756,000 | 140,943,000 | 141,362,000 | 138,876,000 |
| Noninterest-bearing deposits | 50,276,000 | 48,700,000 | 50,303,000 | 47,008,000 |
| Equity capital | 19,582,000 | 18,668,000 | 18,978,000 | 18,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,395,000 | 4,822,000 | 7,077,000 | 9,315,000 |
| Interest expense | 286,000 | 699,000 | 887,000 | 1,071,000 |
| Net interest income | 2,109,000 | 4,123,000 | 6,190,000 | 8,244,000 |
| Noninterest income | 273,000 | 522,000 | 680,000 | 1,047,000 |
| Noninterest expense | 1,816,000 | 3,597,000 | 5,387,000 | 7,187,000 |
| Provision for loan losses | 261,000 | 463,000 | 720,000 | 1,177,000 |
| Pretax income | 762,000 | 1,208,000 | 1,386,000 | 1,544,000 |
| Income tax | 255,000 | 391,000 | 437,000 | 475,000 |
| Net income | 507,000 | 817,000 | 949,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,466,000 | 18,925,000 | 18,886,000 | 18,468,000 |
| Total capital | 20,599,000 | 21,008,000 | 20,917,000 | 20,427,000 |
| Risk-weighted assets | 167,530,000 | 163,376,000 | 158,973,000 | 154,336,000 |