Call reports 2014
VIRGINIA COMMUNITY BANK — 2014
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 206,971,000 | 208,620,000 | 214,089,000 | 206,093,000 |
| Total loans | 130,131,000 | 125,364,000 | 123,781,000 | 138,664,000 |
| Allowance for loan losses | 4,591,000 | 3,989,000 | 4,159,000 | 3,457,000 |
| Securities available for sale | 52,759,000 | 56,774,000 | 59,729,000 | 48,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,913,000 | 188,159,000 | 193,525,000 | 184,905,000 |
| Interest-bearing deposits | 137,662,000 | 136,848,000 | 139,765,000 | 133,686,000 |
| Noninterest-bearing deposits | 49,251,000 | 51,311,000 | 53,760,000 | 51,219,000 |
| Equity capital | 18,931,000 | 19,492,000 | 19,600,000 | 20,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,030,000 | 4,107,000 | 6,427,000 | 8,503,000 |
| Interest expense | 176,000 | 348,000 | 523,000 | 692,000 |
| Net interest income | 1,854,000 | 3,759,000 | 5,904,000 | 7,811,000 |
| Noninterest income | -29,000 | 219,000 | 235,000 | 507,000 |
| Noninterest expense | 1,875,000 | 3,755,000 | 5,677,000 | 7,697,000 |
| Provision for loan losses | 298,000 | 664,000 | 777,000 | 250,000 |
| Pretax income | -365,000 | -439,000 | -149,000 | 571,000 |
| Income tax | -136,000 | -171,000 | -158,000 | 140,000 |
| Net income | -229,000 | -268,000 | 9,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,368,000 | 17,861,000 | 19,028,000 | 19,502,000 |
| Total capital | 20,314,000 | 19,751,000 | 20,843,000 | 21,470,000 |
| Risk-weighted assets | 153,029,000 | 149,090,000 | 148,233,000 | 155,930,000 |