Call reports 2002
CENTERA BANK — 2002
What CENTERA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 131,680,000 | 133,402,000 | 133,221,000 | 142,572,000 |
| Total loans | 87,649,000 | 91,264,000 | 95,274,000 | 94,280,000 |
| Allowance for loan losses | 780,000 | 880,000 | 933,000 | 964,000 |
| Securities available for sale | 32,230,000 | 29,987,000 | 27,764,000 | 29,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,190,000 | 121,547,000 | 120,838,000 | 130,101,000 |
| Interest-bearing deposits | 104,546,000 | 105,202,000 | 104,767,000 | 108,695,000 |
| Noninterest-bearing deposits | 15,644,000 | 16,344,000 | 16,071,000 | 21,406,000 |
| Equity capital | 11,007,000 | 11,302,000 | 11,835,000 | 12,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,064,000 | 4,122,000 | 6,240,000 | 8,318,000 |
| Interest expense | 771,000 | 1,469,000 | 2,151,000 | 2,783,000 |
| Net interest income | 1,293,000 | 2,653,000 | 4,089,000 | 5,535,000 |
| Noninterest income | 218,000 | 447,000 | 702,000 | 936,000 |
| Noninterest expense | 1,013,000 | 2,023,000 | 3,049,000 | 4,338,000 |
| Provision for loan losses | 0 | 105,000 | 159,000 | 184,000 |
| Pretax income | 512,000 | 996,000 | 1,607,000 | 1,973,000 |
| Income tax | 22,000 | 43,000 | 70,000 | 27,000 |
| Net income | 490,000 | 953,000 | 1,537,000 | 1,946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,458,000 | 9,468,000 | 9,847,000 | 9,999,000 |
| Total capital | 10,238,000 | 10,348,000 | 10,780,000 | 10,963,000 |
| Risk-weighted assets | 92,499,000 | 96,851,000 | 98,933,000 | 99,913,000 |