Call reports 2013
CENTERA BANK — 2013
What CENTERA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 257,190,000 | 249,151,000 | 244,660,000 | 262,040,000 |
| Total loans | 102,306,000 | 113,637,000 | 118,107,000 | 122,634,000 |
| Allowance for loan losses | 1,486,000 | 1,488,000 | 1,523,000 | 1,553,000 |
| Securities available for sale | 138,651,000 | 117,412,000 | 106,643,000 | 118,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,145,000 | 1,157,000 | 1,157,000 | 1,157,000 |
| Total deposits | 229,581,000 | 222,211,000 | 221,033,000 | 239,960,000 |
| Interest-bearing deposits | 177,858,000 | 174,576,000 | 173,884,000 | 189,730,000 |
| Noninterest-bearing deposits | 51,723,000 | 47,635,000 | 47,149,000 | 50,230,000 |
| Equity capital | 23,508,000 | 20,652,000 | 21,680,000 | 21,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,074,000 | 4,204,000 | 6,427,000 | 8,607,000 |
| Interest expense | 230,000 | 440,000 | 641,000 | 836,000 |
| Net interest income | 1,844,000 | 3,764,000 | 5,786,000 | 7,771,000 |
| Noninterest income | 368,000 | 689,000 | 1,005,000 | 1,315,000 |
| Noninterest expense | 1,448,000 | 2,841,000 | 4,272,000 | 6,003,000 |
| Provision for loan losses | 0 | 4,000 | 79,000 | 115,000 |
| Pretax income | 764,000 | 1,629,000 | 2,458,000 | 2,986,000 |
| Income tax | 33,000 | 71,000 | 107,000 | 123,000 |
| Net income | 731,000 | 1,558,000 | 2,351,000 | 2,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,803,000 | 20,131,000 | 20,374,000 | 20,485,000 |
| Total capital | 21,289,000 | 21,619,000 | 21,897,000 | 22,038,000 |
| Risk-weighted assets | 132,435,000 | 139,458,000 | 141,183,000 | 146,970,000 |