Call reports 2025
CENTERA BANK — 2025
What CENTERA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 332,113,000 | 322,890,000 | 314,338,000 | 320,575,000 |
| Total loans | 148,298,000 | 151,834,000 | 155,214,000 | 156,055,000 |
| Allowance for loan losses | 1,589,000 | 1,649,000 | 1,624,000 | 1,620,000 |
| Securities available for sale | 140,231,000 | 139,910,000 | 136,234,000 | 141,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,899,000 | 298,444,000 | 287,774,000 | 293,470,000 |
| Interest-bearing deposits | 230,327,000 | 229,781,000 | 217,582,000 | 223,409,000 |
| Noninterest-bearing deposits | 79,572,000 | 68,663,000 | 70,192,000 | 70,061,000 |
| Equity capital | 20,134,000 | 22,409,000 | 24,302,000 | 25,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,371,000 | 6,946,000 | 10,504,000 | 14,026,000 |
| Interest expense | 1,085,000 | 2,145,000 | 3,216,000 | 4,237,000 |
| Net interest income | 2,286,000 | 4,801,000 | 7,288,000 | 9,789,000 |
| Noninterest income | 293,000 | 769,000 | 1,095,000 | 1,422,000 |
| Noninterest expense | 1,838,000 | 3,804,000 | 5,694,000 | 8,002,000 |
| Provision for loan losses | 35,000 | 95,000 | 100,000 | 100,000 |
| Pretax income | 705,000 | 1,852,000 | 2,753,000 | 3,282,000 |
| Income tax | 19,000 | 49,000 | 81,000 | 88,000 |
| Net income | 686,000 | 1,803,000 | 2,672,000 | 3,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,296,000 | 29,914,000 | 30,133,000 | 29,905,000 |
| Total capital | 31,008,000 | 31,667,000 | 31,868,000 | 31,633,000 |
| Risk-weighted assets | 184,214,000 | 189,175,000 | 191,866,000 | 192,782,000 |