Call reports 2007
CENTRAL VIRGINIA BANK — 2007
What CENTRAL VIRGINIA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 458,644,000 | 461,898,000 | 466,032,000 | 484,833,000 |
| Total loans | 213,209,000 | 238,660,000 | 248,187,000 | 268,326,000 |
| Allowance for loan losses | 2,874,000 | 2,848,000 | 2,796,000 | 2,912,000 |
| Securities available for sale | 175,517,000 | 174,636,000 | 173,859,000 | 171,203,000 |
| Securities held to maturity | 7,444,000 | 6,768,000 | 6,288,000 | 6,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,799,000 | 382,828,000 | 374,659,000 | 359,811,000 |
| Interest-bearing deposits | 331,071,000 | 334,533,000 | 329,569,000 | 317,006,000 |
| Noninterest-bearing deposits | 47,728,000 | 48,295,000 | 45,090,000 | 42,805,000 |
| Equity capital | 42,115,000 | 40,528,000 | 41,643,000 | 40,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,242,000 | 14,815,000 | 22,675,000 | 30,591,000 |
| Interest expense | 3,593,000 | 7,410,000 | 11,326,000 | 15,388,000 |
| Net interest income | 3,649,000 | 7,405,000 | 11,349,000 | 15,203,000 |
| Noninterest income | 774,000 | 1,583,000 | 2,471,000 | 3,378,000 |
| Noninterest expense | 3,286,000 | 6,431,000 | 9,693,000 | 12,949,000 |
| Provision for loan losses | 0 | 0 | 0 | 180,000 |
| Pretax income | 1,146,000 | 2,576,000 | 4,128,000 | 5,558,000 |
| Income tax | 212,000 | 534,000 | 883,000 | 1,200,000 |
| Net income | 934,000 | 2,042,000 | 3,245,000 | 4,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,146,000 | 43,746,000 | 44,401,000 | 44,990,000 |
| Total capital | 46,020,000 | 46,594,000 | 47,197,000 | 47,902,000 |
| Risk-weighted assets | 314,996,000 | 337,071,000 | 343,336,000 | 363,984,000 |