Call reports 2005
VIRGINIA COMMERCE BANK — 2005
What VIRGINIA COMMERCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,243,573,000 | 1,393,146,000 | 1,448,225,000 | 1,516,869,000 |
| Total loans | 1,046,617,000 | 1,132,530,000 | 1,212,620,000 | 1,296,624,000 |
| Allowance for loan losses | 11,234,000 | 12,266,000 | 13,196,000 | 13,821,000 |
| Securities available for sale | 115,469,000 | 105,716,000 | 120,868,000 | 124,019,000 |
| Securities held to maturity | 41,703,000 | 45,896,000 | 44,489,000 | 45,260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,046,963,000 | 1,223,557,000 | 1,233,711,000 | 1,245,490,000 |
| Interest-bearing deposits | 876,572,000 | 1,010,004,000 | 1,037,439,000 | 1,054,952,000 |
| Noninterest-bearing deposits | 170,391,000 | 213,553,000 | 196,272,000 | 190,538,000 |
| Equity capital | 93,906,000 | 99,065,000 | 104,338,000 | 109,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 18,301,000 | 38,722,000 | 61,388,000 | 86,478,000 |
| Interest expense | 5,533,000 | 12,344,000 | 20,398,000 | 29,601,000 |
| Net interest income | 12,768,000 | 26,378,000 | 40,990,000 | 56,877,000 |
| Noninterest income | 1,219,000 | 2,761,000 | 4,659,000 | 6,678,000 |
| Noninterest expense | 6,358,000 | 13,490,000 | 20,758,000 | 28,754,000 |
| Provision for loan losses | 831,000 | 1,862,000 | 2,812,000 | 3,772,000 |
| Pretax income | 6,798,000 | 13,787,000 | 22,079,000 | 31,029,000 |
| Income tax | 2,340,000 | 4,747,000 | 7,610,000 | 10,705,000 |
| Net income | 4,458,000 | 9,040,000 | 14,469,000 | 20,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,288,000 | 99,871,000 | 105,299,000 | 111,154,000 |
| Total capital | 124,522,000 | 130,137,000 | 136,495,000 | 167,975,000 |
| Risk-weighted assets | 1,112,087,000 | 1,200,227,000 | 1,283,967,000 | 1,368,526,000 |