Call reports 2003
CENTRAL VIRGINIA BANK — 2003
What CENTRAL VIRGINIA BANK 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 | 292,268,000 | 328,031,000 | 345,882,000 | 364,010,000 |
| Total loans | 148,699,000 | 152,528,000 | 154,644,000 | 159,267,000 |
| Allowance for loan losses | 2,193,000 | 2,271,000 | 2,364,000 | 2,454,000 |
| Securities available for sale | 98,570,000 | 131,442,000 | 148,646,000 | 164,599,000 |
| Securities held to maturity | 11,585,000 | 10,908,000 | 11,705,000 | 11,152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,611,000 | 277,774,000 | 298,963,000 | 301,416,000 |
| Interest-bearing deposits | 215,487,000 | 239,935,000 | 261,462,000 | 264,587,000 |
| Noninterest-bearing deposits | 30,124,000 | 37,839,000 | 37,501,000 | 36,829,000 |
| Equity capital | 23,690,000 | 26,507,000 | 24,456,000 | 30,932,000 |
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 | 4,397,000 | 8,933,000 | 13,649,000 | 18,690,000 |
| Interest expense | 1,600,000 | 3,198,000 | 4,909,000 | 6,637,000 |
| Net interest income | 2,797,000 | 5,735,000 | 8,740,000 | 12,053,000 |
| Noninterest income | 582,000 | 1,249,000 | 2,037,000 | 2,648,000 |
| Noninterest expense | 2,149,000 | 4,355,000 | 6,760,000 | 9,274,000 |
| Provision for loan losses | 110,000 | 200,000 | 290,000 | 410,000 |
| Pretax income | 1,142,000 | 2,450,000 | 3,777,000 | 5,201,000 |
| Income tax | 332,000 | 702,000 | 1,017,000 | 1,383,000 |
| Net income | 810,000 | 1,748,000 | 2,760,000 | 3,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,883,000 | 22,556,000 | 23,300,000 | 29,126,000 |
| Total capital | 24,153,000 | 24,927,000 | 25,664,000 | 31,580,000 |
| Risk-weighted assets | 201,670,000 | 214,576,000 | 210,846,000 | 226,832,000 |