Call reports 2012
VIRGINIA COMMONWEALTH BANK — 2012
What VIRGINIA COMMONWEALTH BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 286,106,000 | 277,028,000 | 277,901,000 | 274,283,000 |
| Total loans | 154,149,000 | 144,188,000 | 134,605,000 | 128,593,000 |
| Allowance for loan losses | 5,943,000 | 5,573,000 | 5,687,000 | 5,114,000 |
| Securities available for sale | 104,606,000 | 100,085,000 | 119,991,000 | 128,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,636,000 | 250,265,000 | 250,005,000 | 245,693,000 |
| Interest-bearing deposits | 249,252,000 | 238,071,000 | 234,706,000 | 231,781,000 |
| Noninterest-bearing deposits | 11,384,000 | 12,194,000 | 15,299,000 | 13,912,000 |
| Equity capital | 25,131,000 | 26,467,000 | 27,418,000 | 28,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,831,000 | 6,561,000 | 9,294,000 | 12,141,000 |
| Interest expense | 698,000 | 1,305,000 | 1,844,000 | 2,337,000 |
| Net interest income | 2,133,000 | 5,256,000 | 7,450,000 | 9,804,000 |
| Noninterest income | 260,000 | -143,000 | 53,000 | 262,000 |
| Noninterest expense | 1,948,000 | 3,911,000 | 6,034,000 | 7,947,000 |
| Provision for loan losses | 50,000 | 125,000 | 200,000 | 275,000 |
| Pretax income | 395,000 | 1,631,000 | 2,102,000 | 2,677,000 |
| Income tax | 0 | 0 | 0 | -301,000 |
| Net income | 395,000 | 1,631,000 | 2,102,000 | 2,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,754,000 | 25,989,000 | 26,399,000 | 27,281,000 |
| Total capital | 26,574,000 | 27,718,000 | 28,089,000 | 28,913,000 |
| Risk-weighted assets | 141,505,000 | 135,288,000 | 131,195,000 | 126,812,000 |