Call reports 2003
CENTRIX BANK AND TRUST — 2003
What CENTRIX BANK AND TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 123,710,000 | 146,145,000 | 142,276,000 | 143,323,000 |
| Total loans | 76,887,000 | 87,532,000 | 90,881,000 | 100,929,000 |
| Allowance for loan losses | 792,000 | 925,000 | 967,000 | 1,100,000 |
| Securities available for sale | 17,896,000 | 19,773,000 | 20,686,000 | 25,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,565,000 | 122,232,000 | 120,146,000 | 112,503,000 |
| Interest-bearing deposits | 55,093,000 | 61,784,000 | 73,592,000 | 72,988,000 |
| Noninterest-bearing deposits | 45,472,000 | 60,448,000 | 46,554,000 | 39,515,000 |
| Equity capital | 9,273,000 | 9,531,000 | 9,512,000 | 17,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 3,078,000 | 4,759,000 | 6,491,000 |
| Interest expense | 366,000 | 723,000 | 1,095,000 | 1,465,000 |
| Net interest income | 1,083,000 | 2,355,000 | 3,664,000 | 5,026,000 |
| Noninterest income | 65,000 | 138,000 | 213,000 | 285,000 |
| Noninterest expense | 816,000 | 1,678,000 | 2,579,000 | 3,624,000 |
| Provision for loan losses | 61,000 | 194,000 | 236,000 | 369,000 |
| Pretax income | 271,000 | 621,000 | 1,062,000 | 1,318,000 |
| Income tax | 96,000 | 226,000 | 391,000 | 466,000 |
| Net income | 175,000 | 395,000 | 671,000 | 852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,804,000 | 9,024,000 | 9,301,000 | 17,418,000 |
| Total capital | 9,596,000 | 9,949,000 | 10,268,000 | 18,518,000 |
| Risk-weighted assets | 87,313,000 | 100,835,000 | 102,572,000 | 112,106,000 |