Call reports 2007
CENTERA BANK — 2007
What CENTERA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 165,681,000 | 171,668,000 | 173,268,000 | 188,061,000 |
| Total loans | 97,084,000 | 103,858,000 | 105,243,000 | 100,072,000 |
| Allowance for loan losses | 869,000 | 853,000 | 897,000 | 1,008,000 |
| Securities available for sale | 55,771,000 | 54,552,000 | 51,860,000 | 56,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,076,000 | 155,920,000 | 149,971,000 | 171,840,000 |
| Interest-bearing deposits | 120,426,000 | 126,793,000 | 120,694,000 | 132,699,000 |
| Noninterest-bearing deposits | 29,650,000 | 29,127,000 | 29,277,000 | 39,141,000 |
| Equity capital | 13,526,000 | 13,459,000 | 15,057,000 | 15,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,614,000 | 5,396,000 | 8,272,000 | 10,996,000 |
| Interest expense | 1,066,000 | 2,190,000 | 3,324,000 | 4,387,000 |
| Net interest income | 1,548,000 | 3,206,000 | 4,948,000 | 6,609,000 |
| Noninterest income | 344,000 | 699,000 | 1,541,000 | 1,915,000 |
| Noninterest expense | 1,219,000 | 2,441,000 | 3,645,000 | 5,159,000 |
| Provision for loan losses | -2,000 | 2,000 | 57,000 | 663,000 |
| Pretax income | 675,000 | 1,462,000 | 2,776,000 | 2,675,000 |
| Income tax | 30,000 | 64,000 | 121,000 | 84,000 |
| Net income | 645,000 | 1,398,000 | 2,655,000 | 2,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,532,000 | 12,938,000 | 13,849,000 | 13,438,000 |
| Total capital | 13,401,000 | 13,791,000 | 14,746,000 | 14,446,000 |
| Risk-weighted assets | 112,036,000 | 122,339,000 | 121,068,000 | 120,444,000 |