Call reports 2004
CENTRIX BANK AND TRUST — 2004
What CENTRIX BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 167,450,000 | 192,485,000 | 204,275,000 | 200,330,000 |
| Total loans | 118,474,000 | 134,087,000 | 148,175,000 | 154,946,000 |
| Allowance for loan losses | 1,275,000 | 1,454,000 | 1,580,000 | 1,669,000 |
| Securities available for sale | 25,417,000 | 23,249,000 | 23,838,000 | 26,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,318,000 | 160,867,000 | 166,118,000 | 162,612,000 |
| Interest-bearing deposits | 88,798,000 | 103,322,000 | 108,145,000 | 108,186,000 |
| Noninterest-bearing deposits | 45,520,000 | 57,545,000 | 57,973,000 | 54,426,000 |
| Equity capital | 18,001,000 | 17,831,000 | 18,491,000 | 18,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,930,000 | 4,062,000 | 6,515,000 | 9,217,000 |
| Interest expense | 407,000 | 892,000 | 1,480,000 | 2,122,000 |
| Net interest income | 1,523,000 | 3,170,000 | 5,035,000 | 7,095,000 |
| Noninterest income | 75,000 | 162,000 | 254,000 | 346,000 |
| Noninterest expense | 1,185,000 | 2,289,000 | 3,475,000 | 4,754,000 |
| Provision for loan losses | 175,000 | 354,000 | 480,000 | 569,000 |
| Pretax income | 238,000 | 689,000 | 1,334,000 | 2,118,000 |
| Income tax | 44,000 | 204,000 | 443,000 | 708,000 |
| Net income | 194,000 | 485,000 | 891,000 | 1,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,624,000 | 17,955,000 | 18,361,000 | 18,886,000 |
| Total capital | 18,899,000 | 19,409,000 | 19,941,000 | 20,555,000 |
| Risk-weighted assets | 130,736,000 | 147,943,000 | 161,778,000 | 166,632,000 |