Call reports 2015
VIRGINIA COMMUNITY BANK — 2015
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 215,146,000 | 214,548,000 | 214,764,000 | 216,039,000 |
| Total loans | 136,635,000 | 150,248,000 | 156,012,000 | 157,360,000 |
| Allowance for loan losses | 3,430,000 | 3,343,000 | 3,456,000 | 3,471,000 |
| Securities available for sale | 49,280,000 | 44,146,000 | 37,067,000 | 38,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,311,000 | 190,596,000 | 192,478,000 | 193,608,000 |
| Interest-bearing deposits | 138,138,000 | 134,585,000 | 135,161,000 | 135,739,000 |
| Noninterest-bearing deposits | 55,173,000 | 56,011,000 | 57,317,000 | 57,869,000 |
| Equity capital | 20,928,000 | 20,950,000 | 21,489,000 | 21,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,219,000 | 4,406,000 | 6,699,000 | 9,013,000 |
| Interest expense | 169,000 | 334,000 | 499,000 | 671,000 |
| Net interest income | 2,050,000 | 4,072,000 | 6,200,000 | 8,342,000 |
| Noninterest income | 264,000 | 548,000 | 889,000 | 1,314,000 |
| Noninterest expense | 1,964,000 | 3,909,000 | 5,835,000 | 7,810,000 |
| Provision for loan losses | 2,000 | 2,000 | 7,000 | 19,000 |
| Pretax income | 370,000 | 829,000 | 1,383,000 | 1,963,000 |
| Income tax | 109,000 | 252,000 | 427,000 | 606,000 |
| Net income | 261,000 | 577,000 | 956,000 | 1,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,937,000 | 20,679,000 | 21,204,000 | 21,680,000 |
| Total capital | 21,954,000 | 22,839,000 | 23,393,000 | 23,891,000 |
| Risk-weighted assets | 159,984,000 | 171,649,000 | 173,878,000 | 175,658,000 |