Call reports 2008
CENTRAL VIRGINIA BANK — 2008
What CENTRAL VIRGINIA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 499,109,000 | 506,930,000 | 480,641,000 | 485,290,000 |
| Total loans | 278,131,000 | 290,519,000 | 299,886,000 | 294,508,000 |
| Allowance for loan losses | 3,119,000 | 3,355,000 | 3,589,000 | 3,796,000 |
| Securities available for sale | 174,852,000 | 171,206,000 | 134,348,000 | 139,751,000 |
| Securities held to maturity | 5,507,000 | 5,340,000 | 5,088,000 | 5,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,894,000 | 367,085,000 | 350,787,000 | 348,510,000 |
| Interest-bearing deposits | 331,027,000 | 323,873,000 | 310,784,000 | 314,189,000 |
| Noninterest-bearing deposits | 39,867,000 | 43,212,000 | 40,003,000 | 34,321,000 |
| Equity capital | 40,071,000 | 37,016,000 | 23,072,000 | 30,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,781,000 | 15,363,000 | 22,664,000 | 29,490,000 |
| Interest expense | 3,932,000 | 7,695,000 | 11,364,000 | 14,795,000 |
| Net interest income | 3,849,000 | 7,668,000 | 11,300,000 | 14,695,000 |
| Noninterest income | 850,000 | 1,648,000 | 2,507,000 | 3,328,000 |
| Noninterest expense | 3,259,000 | 6,376,000 | 9,717,000 | 12,831,000 |
| Provision for loan losses | 280,000 | 580,000 | 880,000 | 1,250,000 |
| Pretax income | 1,221,000 | 2,477,000 | -14,459,000 | -14,752,000 |
| Income tax | 261,000 | 541,000 | 381,000 | -5,541,000 |
| Net income | 960,000 | 1,936,000 | -14,840,000 | -9,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,560,000 | 42,244,000 | 38,295,000 | 36,799,000 |
| Total capital | 48,679,000 | 45,600,000 | 41,884,000 | 40,595,000 |
| Risk-weighted assets | 383,007,000 | 387,116,000 | 379,511,000 | 381,548,000 |