Call reports 2004
CENTENNIAL BANK — 2004
What CENTENNIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 328,783,000 | 377,330,000 | 422,445,000 | 482,146,000 |
| Total loans | 297,065,000 | 323,226,000 | 332,123,000 | 344,333,000 |
| Allowance for loan losses | 2,976,000 | 3,240,000 | 3,343,000 | 3,466,000 |
| Securities available for sale | 10,799,000 | 33,970,000 | 61,113,000 | 113,819,000 |
| Securities held to maturity | 6,589,000 | 7,927,000 | 7,817,000 | 7,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,426,000 | 275,210,000 | 319,471,000 | 375,216,000 |
| Interest-bearing deposits | 237,243,000 | 250,065,000 | 319,368,000 | 275,130,000 |
| Noninterest-bearing deposits | 183,000 | 25,145,000 | 103,000 | 100,086,000 |
| Equity capital | 41,528,000 | 43,265,000 | 46,236,000 | 48,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,937,000 | 10,054,000 | 15,599,000 | 21,511,000 |
| Interest expense | 1,491,000 | 3,166,000 | 5,096,000 | 7,217,000 |
| Net interest income | 3,446,000 | 6,888,000 | 10,503,000 | 14,294,000 |
| Noninterest income | 5,000 | 10,000 | 17,000 | 22,000 |
| Noninterest expense | 747,000 | 1,501,000 | 2,337,000 | 3,236,000 |
| Provision for loan losses | 390,000 | 695,000 | 815,000 | 945,000 |
| Pretax income | 2,314,000 | 4,702,000 | 7,368,000 | 10,135,000 |
| Income tax | 1,020,000 | 1,943,000 | 2,791,000 | 4,720,000 |
| Net income | 1,294,000 | 2,759,000 | 4,577,000 | 5,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,623,000 | 36,313,000 | 39,182,000 | 41,055,000 |
| Total capital | 36,610,000 | 39,553,000 | 42,525,000 | 44,521,000 |
| Risk-weighted assets | 302,390,000 | 333,456,000 | 358,600,000 | 379,702,000 |
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