Call reports 2016
CENBANK — 2016
What CENBANK 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 | 57,736,000 | 59,986,000 | 58,834,000 | 60,895,000 |
| Total loans | 34,884,000 | 36,100,000 | 36,751,000 | 36,462,000 |
| Allowance for loan losses | 341,000 | 360,000 | 353,000 | 354,000 |
| Securities available for sale | 19,975,000 | 19,989,000 | 19,967,000 | 18,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,792,000 | 53,066,000 | 51,238,000 | 55,291,000 |
| Interest-bearing deposits | 41,622,000 | 42,776,000 | 41,780,000 | 44,779,000 |
| Noninterest-bearing deposits | 9,170,000 | 10,290,000 | 9,458,000 | 10,512,000 |
| Equity capital | 5,195,000 | 5,176,000 | 5,182,000 | 5,051,000 |
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 | 517,000 | 1,058,000 | 1,599,000 | 2,138,000 |
| Interest expense | 43,000 | 86,000 | 129,000 | 172,000 |
| Net interest income | 474,000 | 972,000 | 1,470,000 | 1,966,000 |
| Noninterest income | 38,000 | 84,000 | 127,000 | 172,000 |
| Noninterest expense | 328,000 | 664,000 | 1,030,000 | 1,472,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 154,000 | 342,000 | 517,000 | 622,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 154,000 | 342,000 | 517,000 | 622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,134,000 | 5,102,000 | 5,130,000 | 5,165,000 |
| Total capital | 5,475,000 | 5,462,000 | 5,483,000 | 5,519,000 |
| Risk-weighted assets | 39,420,000 | 41,183,000 | 41,968,000 | 40,661,000 |