Call reports 2016
CENTERA BANK — 2016
What CENTERA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 268,248,000 | 268,780,000 | 260,154,000 | 263,270,000 |
| Total loans | 127,633,000 | 139,438,000 | 142,862,000 | 141,979,000 |
| Allowance for loan losses | 1,526,000 | 1,649,000 | 1,722,000 | 1,691,000 |
| Securities available for sale | 117,970,000 | 111,827,000 | 100,077,000 | 104,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,896,000 | 241,439,000 | 233,288,000 | 238,425,000 |
| Interest-bearing deposits | 186,171,000 | 190,078,000 | 186,482,000 | 188,942,000 |
| Noninterest-bearing deposits | 55,725,000 | 51,361,000 | 46,806,000 | 49,483,000 |
| Equity capital | 25,150,000 | 26,099,000 | 25,717,000 | 23,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,250,000 | 4,576,000 | 6,965,000 | 9,315,000 |
| Interest expense | 185,000 | 367,000 | 549,000 | 732,000 |
| Net interest income | 2,065,000 | 4,209,000 | 6,416,000 | 8,583,000 |
| Noninterest income | 333,000 | 609,000 | 880,000 | 1,166,000 |
| Noninterest expense | 1,519,000 | 3,000,000 | 4,524,000 | 6,346,000 |
| Provision for loan losses | -8,000 | 45,000 | 116,000 | 260,000 |
| Pretax income | 895,000 | 1,833,000 | 2,715,000 | 3,202,000 |
| Income tax | 39,000 | 80,000 | 118,000 | 128,000 |
| Net income | 856,000 | 1,753,000 | 2,597,000 | 3,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,482,000 | 22,578,000 | 22,622,000 | 22,700,000 |
| Total capital | 24,008,000 | 24,227,000 | 24,344,000 | 24,391,000 |
| Risk-weighted assets | 156,154,000 | 165,932,000 | 167,114,000 | 168,613,000 |