Call reports 2020
CENBANK — 2020
What CENBANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 65,677,000 | 72,833,000 | 71,502,000 | 76,548,000 |
| Total loans | 47,169,000 | 52,912,000 | 52,578,000 | 50,896,000 |
| Allowance for loan losses | 462,000 | 512,000 | 503,000 | 598,000 |
| Securities available for sale | 12,745,000 | 13,757,000 | 13,750,000 | 11,745,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,070,000 | 66,074,000 | 65,040,000 | 70,253,000 |
| Interest-bearing deposits | 48,408,000 | 52,468,000 | 51,669,000 | 53,569,000 |
| Noninterest-bearing deposits | 10,662,000 | 13,606,000 | 13,371,000 | 16,684,000 |
| Equity capital | 5,356,000 | 5,453,000 | 5,587,000 | 5,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 733,000 | 1,621,000 | 2,343,000 | 2,979,000 |
| Interest expense | 107,000 | 195,000 | 264,000 | 318,000 |
| Net interest income | 626,000 | 1,426,000 | 2,079,000 | 2,661,000 |
| Noninterest income | 50,000 | 87,000 | 134,000 | 176,000 |
| Noninterest expense | 486,000 | 1,024,000 | 1,558,000 | 2,194,000 |
| Provision for loan losses | 15,000 | 65,000 | 85,000 | 185,000 |
| Pretax income | 179,000 | 507,000 | 653,000 | 541,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 179,000 | 507,000 | 653,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,285,000 | 5,406,000 | 5,552,000 | 5,439,000 |
| Total capital | 5,747,000 | 5,918,000 | 6,055,000 | 6,037,000 |
| Risk-weighted assets | 51,578,000 | 51,955,000 | 51,149,000 | 54,441,000 |