Call reports 2015
CENBANK — 2015
What CENBANK 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 | 63,211,000 | 62,580,000 | 57,687,000 | 58,455,000 |
| Total loans | 32,608,000 | 34,545,000 | 34,160,000 | 34,519,000 |
| Allowance for loan losses | 266,000 | 277,000 | 311,000 | 312,000 |
| Securities available for sale | 26,953,000 | 25,959,000 | 20,026,000 | 19,383,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,106,000 | 52,988,000 | 48,859,000 | 51,759,000 |
| Interest-bearing deposits | 44,926,000 | 42,225,000 | 38,794,000 | 40,432,000 |
| Noninterest-bearing deposits | 10,180,000 | 10,763,000 | 10,065,000 | 11,327,000 |
| Equity capital | 5,041,000 | 5,032,000 | 5,096,000 | 4,963,000 |
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 | 505,000 | 1,027,000 | 1,535,000 | 2,047,000 |
| Interest expense | 39,000 | 81,000 | 125,000 | 168,000 |
| Net interest income | 466,000 | 946,000 | 1,410,000 | 1,879,000 |
| Noninterest income | 39,000 | 80,000 | 120,000 | 156,000 |
| Noninterest expense | 348,000 | 708,000 | 1,053,000 | 1,482,000 |
| Provision for loan losses | 5,000 | 15,000 | 50,000 | 60,000 |
| Pretax income | 152,000 | 303,000 | 427,000 | 493,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 303,000 | 427,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,041,000 | 5,032,000 | 5,096,000 | 5,078,000 |
| Total capital | 5,307,000 | 5,309,000 | 5,407,000 | 5,390,000 |
| Risk-weighted assets | 38,514,000 | 40,701,000 | 39,150,000 | 39,251,000 |