Call reports 2015
CENTERA BANK — 2015
What CENTERA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 271,849,000 | 267,473,000 | 257,257,000 | 269,122,000 |
| Total loans | 116,806,000 | 124,918,000 | 126,805,000 | 128,129,000 |
| Allowance for loan losses | 1,316,000 | 1,390,000 | 1,511,000 | 1,542,000 |
| Securities available for sale | 128,794,000 | 121,953,000 | 114,288,000 | 121,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,377,000 | 1,397,000 | 1,397,000 | 1,397,000 |
| Total deposits | 246,813,000 | 241,928,000 | 229,169,000 | 244,095,000 |
| Interest-bearing deposits | 197,483,000 | 193,763,000 | 186,637,000 | 199,516,000 |
| Noninterest-bearing deposits | 49,330,000 | 48,165,000 | 42,532,000 | 44,579,000 |
| Equity capital | 24,050,000 | 23,154,000 | 24,025,000 | 23,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,167,000 | 4,340,000 | 6,698,000 | 8,943,000 |
| Interest expense | 183,000 | 366,000 | 553,000 | 737,000 |
| Net interest income | 1,984,000 | 3,974,000 | 6,145,000 | 8,206,000 |
| Noninterest income | 363,000 | 650,000 | 808,000 | 1,073,000 |
| Noninterest expense | 1,494,000 | 3,072,000 | 4,479,000 | 6,252,000 |
| Provision for loan losses | 2,000 | 94,000 | 230,000 | 264,000 |
| Pretax income | 851,000 | 1,458,000 | 2,245,000 | 2,762,000 |
| Income tax | 37,000 | 64,000 | 98,000 | 112,000 |
| Net income | 814,000 | 1,394,000 | 2,147,000 | 2,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,590,000 | 21,520,000 | 21,622,000 | 22,125,000 |
| Total capital | 22,906,000 | 22,910,000 | 23,133,000 | 23,667,000 |
| Risk-weighted assets | 144,472,000 | 149,490,000 | 149,294,000 | 152,162,000 |