Call reports 2008
CENTERA BANK — 2008
What CENTERA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 187,476,000 | 184,592,000 | 177,025,000 | 186,867,000 |
| Total loans | 84,501,000 | 91,232,000 | 98,914,000 | 92,460,000 |
| Allowance for loan losses | 737,000 | 767,000 | 781,000 | 789,000 |
| Securities available for sale | 77,593,000 | 78,748,000 | 64,953,000 | 80,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 644,000 | 644,000 | 644,000 | 644,000 |
| Total deposits | 169,387,000 | 164,994,000 | 156,329,000 | 167,567,000 |
| Interest-bearing deposits | 132,100,000 | 128,127,000 | 125,491,000 | 132,515,000 |
| Noninterest-bearing deposits | 37,287,000 | 36,867,000 | 30,838,000 | 35,052,000 |
| Equity capital | 16,699,000 | 15,350,000 | 16,113,000 | 17,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,603,000 | 5,065,000 | 7,560,000 | 9,952,000 |
| Interest expense | 984,000 | 1,777,000 | 2,459,000 | 3,058,000 |
| Net interest income | 1,619,000 | 3,288,000 | 5,101,000 | 6,894,000 |
| Noninterest income | 336,000 | 806,000 | 1,173,000 | 1,485,000 |
| Noninterest expense | 1,250,000 | 2,478,000 | 3,704,000 | 5,369,000 |
| Provision for loan losses | 401,000 | 592,000 | 624,000 | 640,000 |
| Pretax income | 304,000 | 1,024,000 | 1,959,000 | 2,383,000 |
| Income tax | 13,000 | 45,000 | 85,000 | 83,000 |
| Net income | 291,000 | 979,000 | 1,874,000 | 2,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,967,000 | 14,059,000 | 14,357,000 | 14,185,000 |
| Total capital | 14,704,000 | 14,826,000 | 15,138,000 | 14,974,000 |
| Risk-weighted assets | 110,551,000 | 113,519,000 | 116,840,000 | 113,531,000 |