Call reports 2005
CENTRA BANK, INC. — 2005
What CENTRA BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 471,782,000 | 494,900,000 | 523,044,000 | 549,923,000 |
| Total loans | 419,596,000 | 441,174,000 | 447,015,000 | 465,001,000 |
| Allowance for loan losses | 6,825,000 | 7,166,000 | 7,262,000 | 6,907,000 |
| Securities available for sale | 22,278,000 | 21,957,000 | 28,514,000 | 48,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,700,000 | 438,986,000 | 463,724,000 | 484,552,000 |
| Interest-bearing deposits | 358,110,000 | 376,481,000 | 395,331,000 | 428,265,000 |
| Noninterest-bearing deposits | 57,590,000 | 62,505,000 | 68,393,000 | 56,286,000 |
| Equity capital | 39,879,000 | 41,010,000 | 41,705,000 | 42,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,240,000 | 13,203,000 | 20,743,000 | 29,519,000 |
| Interest expense | 2,060,000 | 4,476,000 | 7,278,000 | 10,723,000 |
| Net interest income | 4,180,000 | 8,727,000 | 13,465,000 | 18,796,000 |
| Noninterest income | 639,000 | 1,389,000 | 2,225,000 | 3,136,000 |
| Noninterest expense | 2,937,000 | 6,070,000 | 9,619,000 | 14,132,000 |
| Provision for loan losses | 437,000 | 884,000 | 1,001,000 | 671,000 |
| Pretax income | 1,445,000 | 3,162,000 | 4,991,000 | 6,882,000 |
| Income tax | 538,000 | 1,184,000 | 1,864,000 | 2,562,000 |
| Net income | 907,000 | 1,978,000 | 3,127,000 | 4,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,083,000 | 41,173,000 | 41,820,000 | 43,091,000 |
| Total capital | 44,838,000 | 46,189,000 | 46,968,000 | 48,437,000 |
| Risk-weighted assets | 378,306,000 | 399,139,000 | 409,653,000 | 425,461,000 |