Call reports 2008
CENTRA BANK, INC. — 2008
What CENTRA BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,119,899,000 | 1,161,728,000 | 1,203,530,000 | 1,212,748,000 |
| Total loans | 911,506,000 | 972,179,000 | 1,014,944,000 | 1,027,173,000 |
| Allowance for loan losses | 14,204,000 | 14,692,000 | 15,229,000 | 16,367,000 |
| Securities available for sale | 125,652,000 | 115,138,000 | 119,786,000 | 118,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 970,396,000 | 980,748,000 | 1,038,411,000 | 1,014,494,000 |
| Interest-bearing deposits | 888,927,000 | 891,294,000 | 950,295,000 | 924,330,000 |
| Noninterest-bearing deposits | 81,469,000 | 89,454,000 | 88,116,000 | 90,164,000 |
| Equity capital | 108,933,000 | 109,447,000 | 111,713,000 | 112,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 17,818,000 | 34,874,000 | 52,240,000 | 69,324,000 |
| Interest expense | 7,825,000 | 14,929,000 | 22,080,000 | 28,305,000 |
| Net interest income | 9,993,000 | 19,945,000 | 30,160,000 | 41,019,000 |
| Noninterest income | 1,648,000 | 3,567,000 | 5,571,000 | 7,560,000 |
| Noninterest expense | 8,020,000 | 16,286,000 | 24,553,000 | 32,718,000 |
| Provision for loan losses | 638,000 | 1,144,000 | 1,903,000 | 5,187,000 |
| Pretax income | 3,138,000 | 6,277,000 | 9,487,000 | 10,891,000 |
| Income tax | 1,118,000 | 2,188,000 | 3,252,000 | 3,752,000 |
| Net income | 2,020,000 | 4,089,000 | 6,235,000 | 7,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,551,000 | 92,386,000 | 94,288,000 | 94,682,000 |
| Total capital | 101,210,000 | 103,765,000 | 106,322,000 | 106,824,000 |
| Risk-weighted assets | 847,767,000 | 923,345,000 | 957,911,000 | 965,643,000 |