Call reports 2003
COMMUNITY BANK OF NORTHERN VIRGINIA — 2003
What COMMUNITY BANK OF NORTHERN VIRGINIA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 704,658,000 | 713,994,000 | 725,890,000 | 780,039,000 |
| Total loans | 441,042,000 | 471,207,000 | 512,070,000 | 562,936,000 |
| Allowance for loan losses | 5,467,000 | 5,581,000 | 5,724,000 | 6,267,000 |
| Securities available for sale | 196,097,000 | 177,254,000 | 150,054,000 | 153,037,000 |
| Securities held to maturity | 14,970,000 | 23,143,000 | 23,140,000 | 24,203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 549,244,000 | 561,876,000 | 549,025,000 | 594,784,000 |
| Interest-bearing deposits | 423,690,000 | 419,145,000 | 441,257,000 | 495,981,000 |
| Noninterest-bearing deposits | 125,554,000 | 142,731,000 | 107,768,000 | 98,803,000 |
| Equity capital | 52,912,000 | 53,961,000 | 53,589,000 | 55,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,917,000 | 19,898,000 | 29,870,000 | 40,634,000 |
| Interest expense | 3,355,000 | 6,666,000 | 9,725,000 | 12,911,000 |
| Net interest income | 6,562,000 | 13,232,000 | 20,145,000 | 27,723,000 |
| Noninterest income | 763,000 | 1,026,000 | 1,473,000 | 1,871,000 |
| Noninterest expense | 3,485,000 | 8,879,000 | 12,456,000 | 16,748,000 |
| Provision for loan losses | 400,000 | 950,000 | 1,550,000 | 2,300,000 |
| Pretax income | 3,871,000 | 5,100,000 | 8,354,000 | 11,350,000 |
| Income tax | 1,252,000 | 1,600,000 | 2,619,000 | 3,472,000 |
| Net income | 2,619,000 | 3,500,000 | 5,735,000 | 7,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,838,000 | 52,035,000 | 53,662,000 | 55,008,000 |
| Total capital | 57,888,000 | 58,349,000 | 60,438,000 | 62,405,000 |
| Risk-weighted assets | 482,258,000 | 504,645,000 | 542,084,000 | 596,733,000 |
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