Call reports 2004
CENTRAL VIRGINIA BANK — 2004
What CENTRAL VIRGINIA BANK 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 | 366,859,000 | 364,291,000 | 371,936,000 | 377,942,000 |
| Total loans | 170,412,000 | 173,505,000 | 178,171,000 | 181,196,000 |
| Allowance for loan losses | 2,600,000 | 2,612,000 | 2,671,000 | 2,698,000 |
| Securities available for sale | 149,931,000 | 149,218,000 | 147,950,000 | 159,349,000 |
| Securities held to maturity | 10,899,000 | 10,897,000 | 10,100,000 | 8,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,186,000 | 301,985,000 | 305,346,000 | 310,178,000 |
| Interest-bearing deposits | 262,177,000 | 260,403,000 | 265,698,000 | 268,919,000 |
| Noninterest-bearing deposits | 37,009,000 | 41,582,000 | 39,648,000 | 41,259,000 |
| Equity capital | 33,857,000 | 29,860,000 | 33,967,000 | 34,816,000 |
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 | 4,939,000 | 9,876,000 | 15,016,000 | 20,278,000 |
| Interest expense | 1,712,000 | 3,424,000 | 5,190,000 | 7,021,000 |
| Net interest income | 3,227,000 | 6,452,000 | 9,826,000 | 13,257,000 |
| Noninterest income | 612,000 | 1,245,000 | 1,886,000 | 2,451,000 |
| Noninterest expense | 2,287,000 | 4,812,000 | 7,316,000 | 9,849,000 |
| Provision for loan losses | 143,000 | 278,000 | 372,000 | 415,000 |
| Pretax income | 1,434,000 | 2,701,000 | 4,182,000 | 5,658,000 |
| Income tax | 365,000 | 552,000 | 867,000 | 1,130,000 |
| Net income | 1,069,000 | 2,149,000 | 3,315,000 | 4,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,540,000 | 30,626,000 | 32,074,000 | 32,526,000 |
| Total capital | 33,140,000 | 33,238,000 | 34,745,000 | 35,224,000 |
| Risk-weighted assets | 250,746,000 | 253,890,000 | 259,034,000 | 259,852,000 |