Call reports 2002
CENTRA BANK - SMITHFIELD — 2002
What CENTRA BANK - SMITHFIELD reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 221,273,000 | 242,343,000 | 272,806,000 | 295,007,000 |
| Total loans | 55,750,000 | 56,599,000 | 59,202,000 | 59,025,000 |
| Allowance for loan losses | 629,000 | 621,000 | 605,000 | 653,000 |
| Securities available for sale | 85,366,000 | 102,631,000 | 117,680,000 | 137,178,000 |
| Securities held to maturity | 57,120,000 | 58,297,000 | 66,340,000 | 79,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,066,000 | 216,329,000 | 243,103,000 | 267,560,000 |
| Interest-bearing deposits | 176,269,000 | 193,366,000 | 219,032,000 | 243,777,000 |
| Noninterest-bearing deposits | 22,797,000 | 22,963,000 | 24,071,000 | 23,783,000 |
| Equity capital | 15,503,000 | 18,054,000 | 20,689,000 | 19,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,351,000 | 7,279,000 | 11,355,000 | 15,961,000 |
| Interest expense | 2,145,000 | 4,480,000 | 7,043,000 | 9,884,000 |
| Net interest income | 1,206,000 | 2,799,000 | 4,312,000 | 6,077,000 |
| Noninterest income | 93,000 | 213,000 | 335,000 | 490,000 |
| Noninterest expense | 956,000 | 1,848,000 | 2,804,000 | 3,946,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 250,000 |
| Pretax income | 350,000 | 1,129,000 | 1,774,000 | 2,249,000 |
| Income tax | 87,000 | 320,000 | 505,000 | 695,000 |
| Net income | 263,000 | 809,000 | 1,269,000 | 1,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,754,000 | 16,221,000 | 16,694,000 | 16,901,000 |
| Total capital | 16,383,000 | 16,842,000 | 17,299,000 | 17,554,000 |
| Risk-weighted assets | 141,914,000 | 146,940,000 | 160,852,000 | 175,664,000 |