Call reports 2003
CENTRA BANK - SMITHFIELD — 2003
What CENTRA BANK - SMITHFIELD 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 | 343,812,000 | 369,698,000 | 347,766,000 | 349,194,000 |
| Total loans | 58,553,000 | 58,326,000 | 57,798,000 | 56,418,000 |
| Allowance for loan losses | 544,000 | 652,000 | 642,000 | 1,382,000 |
| Securities available for sale | 147,131,000 | 155,663,000 | 246,611,000 | 260,938,000 |
| Securities held to maturity | 103,173,000 | 119,236,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,041,000 | 339,210,000 | 317,180,000 | 319,118,000 |
| Interest-bearing deposits | 289,514,000 | 310,029,000 | 290,874,000 | 291,346,000 |
| Noninterest-bearing deposits | 26,527,000 | 29,181,000 | 26,306,000 | 27,772,000 |
| Equity capital | 19,283,000 | 20,969,000 | 22,315,000 | 21,921,000 |
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 | 4,689,000 | 10,132,000 | 15,273,000 | 20,401,000 |
| Interest expense | 3,090,000 | 6,562,000 | 9,072,000 | 11,437,000 |
| Net interest income | 1,599,000 | 3,570,000 | 6,201,000 | 8,964,000 |
| Noninterest income | 122,000 | 243,000 | 367,000 | 495,000 |
| Noninterest expense | 1,123,000 | 2,178,000 | 3,196,000 | 4,429,000 |
| Provision for loan losses | 0 | 250,000 | 450,000 | 2,768,000 |
| Pretax income | 687,000 | 1,774,000 | 3,674,000 | 3,251,000 |
| Income tax | 187,000 | 487,000 | 1,108,000 | 1,017,000 |
| Net income | 500,000 | 1,287,000 | 2,566,000 | 2,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,413,000 | 18,123,000 | 19,414,000 | 19,003,000 |
| Total capital | 17,957,000 | 18,793,000 | 20,070,000 | 20,398,000 |
| Risk-weighted assets | 204,725,000 | 222,263,000 | 179,308,000 | 191,300,000 |
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