Call reports 2006
CENTRA BANK - SMITHFIELD — 2006
What CENTRA BANK - SMITHFIELD reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 235,079,000 | 229,038,000 | 234,605,000 | 249,092,000 |
| Total loans | 52,708,000 | 53,030,000 | 106,647,000 | 110,613,000 |
| Allowance for loan losses | 1,595,000 | 2,671,000 | 2,723,000 | 2,756,000 |
| Securities available for sale | 167,685,000 | 163,601,000 | 82,298,000 | 78,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,926,000 | 210,773,000 | 208,719,000 | 217,554,000 |
| Interest-bearing deposits | 186,302,000 | 181,850,000 | 178,637,000 | 189,370,000 |
| Noninterest-bearing deposits | 28,624,000 | 28,923,000 | 30,082,000 | 28,184,000 |
| Equity capital | 18,926,000 | 16,463,000 | 20,882,000 | 29,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,833,000 | 5,681,000 | 3,387,000 | 6,899,000 |
| Interest expense | 1,473,000 | 2,997,000 | 1,587,000 | 2,711,000 |
| Net interest income | 1,360,000 | 2,684,000 | 1,800,000 | 4,188,000 |
| Noninterest income | 225,000 | 455,000 | 223,000 | 419,000 |
| Noninterest expense | 1,369,000 | 3,572,000 | 1,210,000 | 3,046,000 |
| Provision for loan losses | 15,000 | 1,030,000 | 5,000 | 5,000 |
| Pretax income | 176,000 | -1,488,000 | 808,000 | 1,556,000 |
| Income tax | 28,000 | -585,000 | 271,000 | 633,000 |
| Net income | 148,000 | -903,000 | 537,000 | 923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,005,000 | 19,876,000 | 10,903,000 | 12,651,000 |
| Total capital | 22,338,000 | 21,208,000 | 12,555,000 | 14,320,000 |
| Risk-weighted assets | 106,409,000 | 105,185,000 | 129,013,000 | 132,408,000 |