Call reports 2004
CENTRA BANK - SMITHFIELD — 2004
What CENTRA BANK - SMITHFIELD reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 359,782,000 | 342,104,000 | 316,864,000 | 299,074,000 |
| Total loans | 55,308,000 | 53,558,000 | 52,202,000 | 49,825,000 |
| Allowance for loan losses | 1,498,000 | 1,586,000 | 1,458,000 | 1,490,000 |
| Securities available for sale | 273,504,000 | 264,355,000 | 231,707,000 | 215,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,286,000 | 315,369,000 | 286,302,000 | 269,916,000 |
| Interest-bearing deposits | 296,279,000 | 285,067,000 | 257,072,000 | 242,540,000 |
| Noninterest-bearing deposits | 28,007,000 | 30,302,000 | 29,230,000 | 27,376,000 |
| Equity capital | 25,395,000 | 19,028,000 | 22,021,000 | 21,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,953,000 | 9,708,000 | 13,742,000 | 17,394,000 |
| Interest expense | 2,375,000 | 4,654,000 | 6,845,000 | 8,838,000 |
| Net interest income | 2,578,000 | 5,054,000 | 6,897,000 | 8,556,000 |
| Noninterest income | 84,000 | 229,000 | 351,000 | 458,000 |
| Noninterest expense | 1,159,000 | 2,481,000 | 3,559,000 | 5,063,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,612,000 | 2,336,000 | 1,721,000 | 1,927,000 |
| Income tax | 511,000 | 698,000 | 645,000 | 550,000 |
| Net income | 1,101,000 | 1,638,000 | 1,076,000 | 1,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,116,000 | 20,576,000 | 20,026,000 | 20,249,000 |
| Total capital | 21,655,000 | 22,162,000 | 21,484,000 | 21,739,000 |
| Risk-weighted assets | 183,247,000 | 165,026,000 | 138,684,000 | 119,359,000 |