Call reports 2005
CENTRAL VIRGINIA BANK — 2005
What CENTRAL VIRGINIA BANK 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 | 382,484,000 | 395,452,000 | 393,250,000 | 396,745,000 |
| Total loans | 180,221,000 | 185,159,000 | 195,217,000 | 198,468,000 |
| Allowance for loan losses | 2,715,000 | 2,805,000 | 2,879,000 | 2,918,000 |
| Securities available for sale | 159,283,000 | 162,583,000 | 152,669,000 | 156,820,000 |
| Securities held to maturity | 8,688,000 | 8,481,000 | 8,478,000 | 8,477,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,338,000 | 325,251,000 | 322,533,000 | 322,467,000 |
| Interest-bearing deposits | 275,472,000 | 278,938,000 | 277,607,000 | 277,655,000 |
| Noninterest-bearing deposits | 39,866,000 | 46,313,000 | 44,926,000 | 44,812,000 |
| Equity capital | 34,321,000 | 37,350,000 | 37,597,000 | 37,160,000 |
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 | 5,386,000 | 11,024,000 | 16,887,000 | 23,026,000 |
| Interest expense | 1,888,000 | 3,920,000 | 6,056,000 | 8,305,000 |
| Net interest income | 3,498,000 | 7,104,000 | 10,831,000 | 14,721,000 |
| Noninterest income | 570,000 | 1,227,000 | 1,879,000 | 2,528,000 |
| Noninterest expense | 2,526,000 | 5,226,000 | 7,938,000 | 10,810,000 |
| Provision for loan losses | 0 | 59,000 | 166,000 | 203,000 |
| Pretax income | 1,542,000 | 3,108,000 | 4,703,000 | 6,530,000 |
| Income tax | 313,000 | 634,000 | 993,000 | 1,443,000 |
| Net income | 1,229,000 | 2,474,000 | 3,710,000 | 5,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,737,000 | 36,002,000 | 36,879,000 | 38,140,000 |
| Total capital | 36,452,000 | 38,807,000 | 39,758,000 | 41,058,000 |
| Risk-weighted assets | 263,877,000 | 276,059,000 | 285,017,000 | 287,444,000 |