Call reports 2005
CENTERA BANK — 2005
What CENTERA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 142,928,000 | 143,605,000 | 145,616,000 | 159,504,000 |
| Total loans | 86,629,000 | 89,859,000 | 92,087,000 | 91,984,000 |
| Allowance for loan losses | 801,000 | 798,000 | 899,000 | 915,000 |
| Securities available for sale | 43,594,000 | 43,375,000 | 39,188,000 | 48,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,327,000 | 128,182,000 | 129,297,000 | 146,933,000 |
| Interest-bearing deposits | 106,694,000 | 105,283,000 | 106,101,000 | 117,921,000 |
| Noninterest-bearing deposits | 24,633,000 | 22,899,000 | 23,196,000 | 29,012,000 |
| Equity capital | 11,175,000 | 12,232,000 | 11,912,000 | 12,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,921,000 | 3,926,000 | 6,016,000 | 8,198,000 |
| Interest expense | 473,000 | 1,001,000 | 1,604,000 | 2,256,000 |
| Net interest income | 1,448,000 | 2,925,000 | 4,412,000 | 5,942,000 |
| Noninterest income | 198,000 | 406,000 | 655,000 | 840,000 |
| Noninterest expense | 1,010,000 | 2,050,000 | 3,166,000 | 4,520,000 |
| Provision for loan losses | 0 | 0 | 125,000 | 125,000 |
| Pretax income | 636,000 | 1,281,000 | 1,758,000 | 2,114,000 |
| Income tax | 28,000 | 56,000 | 77,000 | 86,000 |
| Net income | 608,000 | 1,225,000 | 1,681,000 | 2,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,874,000 | 11,490,000 | 11,447,000 | 11,550,000 |
| Total capital | 11,675,000 | 12,288,000 | 12,346,000 | 12,465,000 |
| Risk-weighted assets | 97,502,000 | 99,780,000 | 101,979,000 | 106,008,000 |