Call reports 2004
CENTRA BANK, INC. — 2004
What CENTRA BANK, INC. 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 | 374,336,000 | 398,882,000 | 435,682,000 | 441,940,000 |
| Total loans | 321,600,000 | 348,544,000 | 385,097,000 | 398,199,000 |
| Allowance for loan losses | 4,683,000 | 5,219,000 | 5,814,000 | 6,394,000 |
| Securities available for sale | 23,624,000 | 21,325,000 | 21,573,000 | 22,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,004,000 | 353,911,000 | 380,668,000 | 386,241,000 |
| Interest-bearing deposits | 285,991,000 | 307,853,000 | 333,769,000 | 331,264,000 |
| Noninterest-bearing deposits | 44,013,000 | 46,058,000 | 46,899,000 | 54,977,000 |
| Equity capital | 28,031,000 | 28,286,000 | 38,888,000 | 39,076,000 |
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 | 4,309,000 | 8,936,000 | 14,126,000 | 20,009,000 |
| Interest expense | 1,522,000 | 3,104,000 | 4,836,000 | 6,725,000 |
| Net interest income | 2,787,000 | 5,832,000 | 9,290,000 | 13,284,000 |
| Noninterest income | 507,000 | 1,172,000 | 1,800,000 | 2,497,000 |
| Noninterest expense | 2,370,000 | 4,890,000 | 7,470,000 | 10,347,000 |
| Provision for loan losses | 365,000 | 928,000 | 1,563,000 | 2,160,000 |
| Pretax income | 559,000 | 1,186,000 | 2,057,000 | 3,274,000 |
| Income tax | 199,000 | 422,000 | 734,000 | 1,193,000 |
| Net income | 360,000 | 764,000 | 1,323,000 | 2,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,005,000 | 28,409,000 | 38,919,000 | 39,176,000 |
| Total capital | 31,841,000 | 32,550,000 | 43,431,000 | 43,718,000 |
| Risk-weighted assets | 306,037,000 | 330,184,000 | 359,680,000 | 361,541,000 |