Call reports 2015
VIRGINIA COMMONWEALTH BANK — 2015
What VIRGINIA COMMONWEALTH 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 | 294,688,000 | 283,416,000 | 301,947,000 | 325,783,000 |
| Total loans | 211,892,000 | 209,089,000 | 230,235,000 | 247,375,000 |
| Allowance for loan losses | 4,191,000 | 3,824,000 | 4,145,000 | 3,208,000 |
| Securities available for sale | 59,333,000 | 51,764,000 | 49,566,000 | 48,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,903,000 | 229,601,000 | 235,392,000 | 237,926,000 |
| Interest-bearing deposits | 214,731,000 | 216,521,000 | 220,466,000 | 221,594,000 |
| Noninterest-bearing deposits | 13,172,000 | 13,081,000 | 14,926,000 | 16,331,000 |
| Equity capital | 32,901,000 | 32,899,000 | 33,517,000 | 33,823,000 |
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 | 2,570,000 | 5,217,000 | 7,966,000 | 10,900,000 |
| Interest expense | 315,000 | 666,000 | 1,046,000 | 1,430,000 |
| Net interest income | 2,255,000 | 4,551,000 | 6,920,000 | 9,470,000 |
| Noninterest income | 136,000 | 297,000 | 430,000 | 628,000 |
| Noninterest expense | 1,881,000 | 3,788,000 | 5,723,000 | 7,922,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | -800,000 |
| Pretax income | 544,000 | 1,036,000 | 1,543,000 | 3,072,000 |
| Income tax | 186,000 | 342,000 | 500,000 | 1,006,000 |
| Net income | 358,000 | 694,000 | 1,043,000 | 2,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,411,000 | 31,747,000 | 32,096,000 | 32,609,000 |
| Total capital | 33,868,000 | 34,144,000 | 34,820,000 | 35,658,000 |
| Risk-weighted assets | 194,477,000 | 190,764,000 | 214,473,000 | 242,277,000 |
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