Call reports 2007
CENTRA BANK, INC. — 2007
What CENTRA BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 925,169,000 | 965,430,000 | 1,059,667,000 | 1,084,237,000 |
| Total loans | 735,831,000 | 769,239,000 | 825,719,000 | 878,041,000 |
| Allowance for loan losses | 10,680,000 | 11,107,000 | 11,556,000 | 13,535,000 |
| Securities available for sale | 115,301,000 | 116,021,000 | 127,399,000 | 123,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 823,290,000 | 854,133,000 | 930,546,000 | 944,587,000 |
| Interest-bearing deposits | 727,463,000 | 759,495,000 | 834,287,000 | 841,825,000 |
| Noninterest-bearing deposits | 95,827,000 | 94,638,000 | 96,259,000 | 102,761,000 |
| Equity capital | 76,877,000 | 78,311,000 | 89,354,000 | 106,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 15,810,000 | 32,389,000 | 50,259,000 | 68,545,000 |
| Interest expense | 7,272,000 | 14,970,000 | 23,693,000 | 32,513,000 |
| Net interest income | 8,538,000 | 17,419,000 | 26,566,000 | 36,032,000 |
| Noninterest income | 1,119,000 | 2,660,000 | 4,375,000 | 6,237,000 |
| Noninterest expense | 6,515,000 | 13,632,000 | 21,108,000 | 29,256,000 |
| Provision for loan losses | 500,000 | 873,000 | 1,332,000 | 3,312,000 |
| Pretax income | 2,642,000 | 5,574,000 | 8,501,000 | 9,701,000 |
| Income tax | 1,052,000 | 2,124,000 | 3,155,000 | 3,497,000 |
| Net income | 1,590,000 | 3,450,000 | 5,346,000 | 6,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,287,000 | 61,419,000 | 71,939,000 | 88,805,000 |
| Total capital | 67,906,000 | 70,472,000 | 81,708,000 | 99,137,000 |
| Risk-weighted assets | 685,978,000 | 720,688,000 | 778,314,000 | 821,430,000 |