Call reports 2016
VIRGINIA COMMUNITY BANK — 2016
What VIRGINIA COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 216,128,000 | 224,594,000 | 233,397,000 | 240,010,000 |
| Total loans | 157,541,000 | 161,186,000 | 172,320,000 | 175,227,000 |
| Allowance for loan losses | 2,995,000 | 3,007,000 | 3,003,000 | 2,594,000 |
| Securities available for sale | 32,340,000 | 44,424,000 | 44,699,000 | 45,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,723,000 | 195,053,000 | 202,291,000 | 202,883,000 |
| Interest-bearing deposits | 132,742,000 | 131,906,000 | 135,098,000 | 133,752,000 |
| Noninterest-bearing deposits | 59,981,000 | 63,147,000 | 67,193,000 | 69,131,000 |
| Equity capital | 22,710,000 | 23,271,000 | 23,827,000 | 24,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,317,000 | 4,675,000 | 7,113,000 | 9,596,000 |
| Interest expense | 170,000 | 335,000 | 516,000 | 702,000 |
| Net interest income | 2,147,000 | 4,340,000 | 6,597,000 | 8,894,000 |
| Noninterest income | 277,000 | 669,000 | 994,000 | 1,312,000 |
| Noninterest expense | 1,906,000 | 3,879,000 | 5,888,000 | 8,121,000 |
| Provision for loan losses | -499,000 | -494,000 | -488,000 | -884,000 |
| Pretax income | 1,060,000 | 1,664,000 | 2,239,000 | 3,018,000 |
| Income tax | 342,000 | 529,000 | 706,000 | 954,000 |
| Net income | 718,000 | 1,135,000 | 1,533,000 | 2,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,472,000 | 22,964,000 | 23,437,000 | 23,948,000 |
| Total capital | 24,673,000 | 25,244,000 | 25,817,000 | 26,374,000 |
| Risk-weighted assets | 175,340,000 | 181,336,000 | 189,798,000 | 193,974,000 |