Call reports 2014
CENBANK — 2014
What CENBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 59,912,000 | 59,963,000 | 61,217,000 | 63,122,000 |
| Total loans | 31,255,000 | 31,559,000 | 32,413,000 | 33,093,000 |
| Allowance for loan losses | 307,000 | 317,000 | 334,000 | 261,000 |
| Securities available for sale | 26,208,000 | 26,462,000 | 26,781,000 | 26,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,712,000 | 54,429,000 | 52,341,000 | 53,796,000 |
| Interest-bearing deposits | 44,168,000 | 42,040,000 | 43,007,000 | 43,076,000 |
| Noninterest-bearing deposits | 10,544,000 | 12,389,000 | 9,334,000 | 10,720,000 |
| Equity capital | 4,584,000 | 4,819,000 | 4,743,000 | 4,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 988,000 | 1,479,000 | 1,989,000 |
| Interest expense | 32,000 | 64,000 | 100,000 | 138,000 |
| Net interest income | 450,000 | 924,000 | 1,379,000 | 1,851,000 |
| Noninterest income | 40,000 | 75,000 | 119,000 | 158,000 |
| Noninterest expense | 335,000 | 679,000 | 1,063,000 | 1,495,000 |
| Provision for loan losses | 10,000 | 20,000 | 40,000 | 50,000 |
| Pretax income | 145,000 | 300,000 | 395,000 | 464,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 145,000 | 300,000 | 395,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,979,000 | 4,960,000 | 4,956,000 | 4,974,000 |
| Total capital | 5,286,000 | 5,277,000 | 5,290,000 | 5,235,000 |
| Risk-weighted assets | 35,981,000 | 36,437,000 | 37,462,000 | 38,429,000 |