Call reports 2015
CENTERBANK — 2015
What CENTERBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 130,296,000 | 135,062,000 | 138,333,000 | 145,785,000 |
| Total loans | 115,823,000 | 120,547,000 | 123,274,000 | 127,764,000 |
| Allowance for loan losses | 1,550,000 | 1,603,000 | 1,523,000 | 1,530,000 |
| Securities available for sale | 7,888,000 | 7,615,000 | 8,132,000 | 7,732,000 |
| Securities held to maturity | 620,000 | 549,000 | 473,000 | 410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,134,000 | 111,647,000 | 113,424,000 | 131,653,000 |
| Interest-bearing deposits | 92,215,000 | 91,712,000 | 91,975,000 | 97,874,000 |
| Noninterest-bearing deposits | 22,919,000 | 19,935,000 | 21,449,000 | 33,779,000 |
| Equity capital | 12,628,000 | 12,869,000 | 13,221,000 | 13,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,574,000 | 3,162,000 | 4,827,000 | 6,557,000 |
| Interest expense | 222,000 | 455,000 | 696,000 | 940,000 |
| Net interest income | 1,352,000 | 2,707,000 | 4,131,000 | 5,617,000 |
| Noninterest income | 431,000 | 848,000 | 1,216,000 | 1,529,000 |
| Noninterest expense | 1,234,000 | 2,409,000 | 3,601,000 | 4,787,000 |
| Provision for loan losses | 185,000 | 225,000 | 225,000 | 360,000 |
| Pretax income | 364,000 | 921,000 | 1,521,000 | 1,999,000 |
| Income tax | 114,000 | 293,000 | 488,000 | 649,000 |
| Net income | 250,000 | 628,000 | 1,033,000 | 1,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,491,000 | 12,793,000 | 13,124,000 | 13,366,000 |
| Total capital | 13,891,000 | 14,266,000 | 14,647,000 | 14,896,000 |
| Risk-weighted assets | 111,902,000 | 117,731,000 | 122,918,000 | 127,238,000 |