Call reports 2006
CENTERA BANK — 2006
What CENTERA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 159,068,000 | 157,336,000 | 163,203,000 | 168,334,000 |
| Total loans | 90,835,000 | 94,176,000 | 102,178,000 | 100,367,000 |
| Allowance for loan losses | 828,000 | 840,000 | 866,000 | 869,000 |
| Securities available for sale | 55,739,000 | 51,178,000 | 47,409,000 | 50,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,387,000 | 137,760,000 | 144,114,000 | 154,396,000 |
| Interest-bearing deposits | 115,526,000 | 113,203,000 | 118,186,000 | 125,880,000 |
| Noninterest-bearing deposits | 29,861,000 | 24,557,000 | 25,928,000 | 28,516,000 |
| Equity capital | 12,046,000 | 11,883,000 | 12,938,000 | 13,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,296,000 | 4,715,000 | 7,287,000 | 9,907,000 |
| Interest expense | 772,000 | 1,673,000 | 2,711,000 | 3,750,000 |
| Net interest income | 1,524,000 | 3,042,000 | 4,576,000 | 6,157,000 |
| Noninterest income | 237,000 | 571,000 | 945,000 | 1,297,000 |
| Noninterest expense | 1,177,000 | 2,360,000 | 3,586,000 | 5,106,000 |
| Provision for loan losses | 0 | 20,000 | 56,000 | 62,000 |
| Pretax income | 584,000 | 1,233,000 | 1,879,000 | 2,286,000 |
| Income tax | 25,000 | 52,000 | 76,000 | 85,000 |
| Net income | 559,000 | 1,152,000 | 1,674,000 | 2,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,761,000 | 12,008,000 | 12,183,000 | 12,234,000 |
| Total capital | 12,589,000 | 12,848,000 | 13,049,000 | 13,103,000 |
| Risk-weighted assets | 107,728,000 | 107,577,000 | 114,341,000 | 115,163,000 |