Call reports 2003
CENTRA BANK, INC. — 2003
What CENTRA BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 282,476,000 | 306,201,000 | 326,990,000 | 349,538,000 |
| Total loans | 218,256,000 | 236,961,000 | 264,855,000 | 296,680,000 |
| Allowance for loan losses | 2,720,000 | 3,220,000 | 3,849,000 | 4,457,000 |
| Securities available for sale | 27,742,000 | 34,903,000 | 29,273,000 | 22,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,825,000 | 262,395,000 | 281,181,000 | 302,375,000 |
| Interest-bearing deposits | 207,469,000 | 230,018,000 | 244,337,000 | 263,096,000 |
| Noninterest-bearing deposits | 31,357,000 | 32,376,000 | 36,843,000 | 39,279,000 |
| Equity capital | 26,153,000 | 26,618,000 | 27,057,000 | 27,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,233,000 | 6,722,000 | 10,496,000 | 14,628,000 |
| Interest expense | 1,221,000 | 2,565,000 | 3,894,000 | 5,304,000 |
| Net interest income | 2,012,000 | 4,157,000 | 6,602,000 | 9,324,000 |
| Noninterest income | 540,000 | 1,359,000 | 2,154,000 | 2,786,000 |
| Noninterest expense | 1,797,000 | 3,810,000 | 5,937,000 | 8,156,000 |
| Provision for loan losses | 345,000 | 847,000 | 1,476,000 | 2,099,000 |
| Pretax income | 410,000 | 859,000 | 1,343,000 | 1,855,000 |
| Income tax | 0 | 0 | 0 | -104,000 |
| Net income | 410,000 | 859,000 | 1,343,000 | 1,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,097,000 | 26,545,000 | 27,030,000 | 27,646,000 |
| Total capital | 28,699,000 | 29,390,000 | 30,259,000 | 31,208,000 |
| Risk-weighted assets | 208,020,000 | 227,203,000 | 257,718,000 | 284,208,000 |