Call reports 2005
CENTRA BANK - SMITHFIELD — 2005
What CENTRA BANK - SMITHFIELD reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 273,007,000 | 254,364,000 | 243,888,000 | 236,244,000 |
| Total loans | 47,883,000 | 46,741,000 | 47,152,000 | 50,171,000 |
| Allowance for loan losses | 1,447,000 | 1,552,000 | 1,502,000 | 1,514,000 |
| Securities available for sale | 203,654,000 | 191,846,000 | 179,554,000 | 174,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,906,000 | 231,763,000 | 222,375,000 | 215,762,000 |
| Interest-bearing deposits | 220,084,000 | 204,405,000 | 193,862,000 | 188,074,000 |
| Noninterest-bearing deposits | 26,822,000 | 27,358,000 | 28,513,000 | 27,688,000 |
| Equity capital | 19,084,000 | 21,226,000 | 19,932,000 | 19,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,363,000 | 6,489,000 | 9,409,000 | 12,267,000 |
| Interest expense | 1,786,000 | 3,427,000 | 4,988,000 | 6,502,000 |
| Net interest income | 1,577,000 | 3,062,000 | 4,421,000 | 5,765,000 |
| Noninterest income | 151,000 | 320,000 | 551,000 | 761,000 |
| Noninterest expense | 1,545,000 | 2,903,000 | 4,367,000 | 5,689,000 |
| Provision for loan losses | 30,000 | 55,000 | 70,000 | 85,000 |
| Pretax income | 327,000 | 607,000 | 630,000 | 847,000 |
| Income tax | 24,000 | 80,000 | 81,000 | 120,000 |
| Net income | 303,000 | 527,000 | 549,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,564,000 | 20,706,000 | 20,744,000 | 20,845,000 |
| Total capital | 22,011,000 | 22,047,000 | 22,139,000 | 22,173,000 |
| Risk-weighted assets | 116,946,000 | 107,052,000 | 111,460,000 | 106,091,000 |