Call reports 2016
CENTERBANK — 2016
What CENTERBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 141,087,000 | 150,033,000 | 152,810,000 | 156,113,000 |
| Total loans | 124,962,000 | 134,218,000 | 135,465,000 | 142,392,000 |
| Allowance for loan losses | 1,622,000 | 1,742,000 | 1,882,000 | 1,853,000 |
| Securities available for sale | 7,551,000 | 6,913,000 | 6,656,000 | 6,157,000 |
| Securities held to maturity | 362,000 | 318,000 | 276,000 | 239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,659,000 | 132,737,000 | 137,553,000 | 140,440,000 |
| Interest-bearing deposits | 103,834,000 | 108,234,000 | 112,864,000 | 111,996,000 |
| Noninterest-bearing deposits | 22,825,000 | 24,503,000 | 24,689,000 | 28,444,000 |
| Equity capital | 13,816,000 | 14,184,000 | 14,541,000 | 14,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,732,000 | 3,524,000 | 5,385,000 | 7,311,000 |
| Interest expense | 243,000 | 507,000 | 785,000 | 1,075,000 |
| Net interest income | 1,489,000 | 3,017,000 | 4,600,000 | 6,236,000 |
| Noninterest income | 405,000 | 911,000 | 1,501,000 | 2,003,000 |
| Noninterest expense | 1,231,000 | 2,568,000 | 3,924,000 | 5,417,000 |
| Provision for loan losses | 215,000 | 335,000 | 475,000 | 475,000 |
| Pretax income | 448,000 | 1,025,000 | 1,702,000 | 2,350,000 |
| Income tax | 148,000 | 344,000 | 575,000 | 765,000 |
| Net income | 300,000 | 681,000 | 1,127,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,658,000 | 13,977,000 | 14,363,000 | 14,834,000 |
| Total capital | 15,280,000 | 15,674,000 | 16,083,000 | 16,615,000 |
| Risk-weighted assets | 130,203,000 | 135,787,000 | 137,457,000 | 142,419,000 |