Call reports 2004
CENTERA BANK — 2004
What CENTERA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 146,100,000 | 145,710,000 | 141,639,000 | 148,372,000 |
| Total loans | 84,061,000 | 89,582,000 | 93,481,000 | 88,110,000 |
| Allowance for loan losses | 972,000 | 833,000 | 837,000 | 814,000 |
| Securities available for sale | 52,569,000 | 46,077,000 | 32,824,000 | 42,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,922,000 | 129,412,000 | 129,446,000 | 136,405,000 |
| Interest-bearing deposits | 109,422,000 | 110,459,000 | 106,708,000 | 112,854,000 |
| Noninterest-bearing deposits | 22,500,000 | 18,953,000 | 22,738,000 | 23,551,000 |
| Equity capital | 12,374,000 | 11,283,000 | 11,767,000 | 11,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,819,000 | 3,675,000 | 5,565,000 | 7,510,000 |
| Interest expense | 424,000 | 843,000 | 1,268,000 | 1,710,000 |
| Net interest income | 1,395,000 | 2,832,000 | 4,297,000 | 5,800,000 |
| Noninterest income | 207,000 | 419,000 | 616,000 | 814,000 |
| Noninterest expense | 1,048,000 | 2,091,000 | 3,110,000 | 4,510,000 |
| Provision for loan losses | 0 | 0 | 13,000 | 13,000 |
| Pretax income | 554,000 | 1,170,000 | 1,802,000 | 2,103,000 |
| Income tax | 18,000 | 45,000 | 72,000 | 77,000 |
| Net income | 536,000 | 1,125,000 | 1,730,000 | 2,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,526,000 | 10,615,000 | 10,720,000 | 10,766,000 |
| Total capital | 11,498,000 | 11,448,000 | 11,557,000 | 11,580,000 |
| Risk-weighted assets | 93,185,000 | 97,546,000 | 100,482,000 | 99,559,000 |