Call reports 2006
CENTRA BANK, INC. — 2006
What CENTRA BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 574,616,000 | 618,281,000 | 637,780,000 | 662,096,000 |
| Total loans | 498,599,000 | 543,754,000 | 552,316,000 | 582,867,000 |
| Allowance for loan losses | 7,256,000 | 7,969,000 | 8,011,000 | 7,283,000 |
| Securities available for sale | 48,210,000 | 44,137,000 | 42,359,000 | 45,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 505,992,000 | 536,389,000 | 569,159,000 | 585,837,000 |
| Interest-bearing deposits | 444,620,000 | 468,250,000 | 512,269,000 | 530,328,000 |
| Noninterest-bearing deposits | 61,372,000 | 68,140,000 | 56,889,000 | 55,509,000 |
| Equity capital | 43,439,000 | 44,604,000 | 45,937,000 | 45,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,296,000 | 19,707,000 | 31,246,000 | 43,319,000 |
| Interest expense | 3,860,000 | 8,362,000 | 13,532,000 | 19,139,000 |
| Net interest income | 5,436,000 | 11,345,000 | 17,714,000 | 24,180,000 |
| Noninterest income | 765,000 | 1,648,000 | 2,555,000 | 3,458,000 |
| Noninterest expense | 4,206,000 | 8,317,000 | 13,599,000 | 18,022,000 |
| Provision for loan losses | 345,000 | 1,059,000 | 1,106,000 | 1,527,000 |
| Pretax income | 1,650,000 | 3,617,000 | 5,564,000 | 8,049,000 |
| Income tax | 612,000 | 1,352,000 | 2,082,000 | 3,032,000 |
| Net income | 1,038,000 | 2,265,000 | 3,482,000 | 5,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,756,000 | 44,857,000 | 46,073,000 | 46,008,000 |
| Total capital | 49,471,000 | 51,027,000 | 52,437,000 | 52,741,000 |
| Risk-weighted assets | 455,634,000 | 492,116,000 | 506,473,000 | 536,941,000 |