Call reports 2003
CENTERA BANK — 2003
What CENTERA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 134,693,000 | 139,335,000 | 137,737,000 | 143,226,000 |
| Total loans | 92,185,000 | 94,375,000 | 96,827,000 | 88,809,000 |
| Allowance for loan losses | 938,000 | 997,000 | 982,000 | 974,000 |
| Securities available for sale | 32,127,000 | 32,868,000 | 32,063,000 | 41,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,542,000 | 126,999,000 | 124,496,000 | 130,850,000 |
| Interest-bearing deposits | 104,070,000 | 108,221,000 | 105,866,000 | 110,367,000 |
| Noninterest-bearing deposits | 18,472,000 | 18,778,000 | 18,630,000 | 20,483,000 |
| Equity capital | 11,703,000 | 11,890,000 | 11,873,000 | 12,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,935,000 | 3,889,000 | 5,859,000 | 7,788,000 |
| Interest expense | 527,000 | 1,023,000 | 1,484,000 | 1,927,000 |
| Net interest income | 1,408,000 | 2,866,000 | 4,375,000 | 5,861,000 |
| Noninterest income | 216,000 | 435,000 | 634,000 | 843,000 |
| Noninterest expense | 1,022,000 | 2,047,000 | 3,074,000 | 4,455,000 |
| Provision for loan losses | 119,000 | 189,000 | 189,000 | 189,000 |
| Pretax income | 483,000 | 1,065,000 | 1,746,000 | 2,060,000 |
| Income tax | 21,000 | 46,000 | 76,000 | 90,000 |
| Net income | 462,000 | 1,019,000 | 1,670,000 | 1,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,782,000 | 9,889,000 | 10,189,000 | 10,490,000 |
| Total capital | 10,720,000 | 10,886,000 | 11,171,000 | 11,464,000 |
| Risk-weighted assets | 95,885,000 | 99,274,000 | 99,630,000 | 96,180,000 |