Call reports 2023
CENTERBANK — 2023
What CENTERBANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 291,537,000 | 293,418,000 | 303,616,000 | 311,943,000 |
| Total loans | 245,855,000 | 254,879,000 | 264,852,000 | 271,294,000 |
| Allowance for loan losses | 3,355,000 | 3,355,000 | 3,356,000 | 3,408,000 |
| Securities available for sale | 25,040,000 | 24,574,000 | 22,911,000 | 24,132,000 |
| Securities held to maturity | 7,000 | 7,000 | 7,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,094,000 | 223,112,000 | 258,188,000 | 256,528,000 |
| Interest-bearing deposits | 166,512,000 | 179,619,000 | 214,823,000 | 213,381,000 |
| Noninterest-bearing deposits | 45,582,000 | 43,493,000 | 43,365,000 | 43,147,000 |
| Equity capital | 31,678,000 | 32,339,000 | 32,154,000 | 33,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,666,000 | 7,560,000 | 11,874,000 | 16,373,000 |
| Interest expense | 1,199,000 | 2,748,000 | 4,753,000 | 6,983,000 |
| Net interest income | 2,467,000 | 4,812,000 | 7,121,000 | 9,390,000 |
| Noninterest income | 327,000 | 710,000 | 1,073,000 | 1,561,000 |
| Noninterest expense | 1,845,000 | 3,663,000 | 5,471,000 | 7,370,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 72,000 |
| Pretax income | 929,000 | 1,839,000 | 2,703,000 | 3,509,000 |
| Income tax | 178,000 | 352,000 | 516,000 | 709,000 |
| Net income | 751,000 | 1,487,000 | 2,187,000 | 2,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,885,000 | 35,644,000 | 36,367,000 | 36,202,000 |
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