Call reports 2005
CENTRIX BANK AND TRUST — 2005
What CENTRIX BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 220,979,000 | 246,302,000 | 256,118,000 | 272,045,000 |
| Total loans | 164,782,000 | 181,472,000 | 185,179,000 | 199,195,000 |
| Allowance for loan losses | 1,766,000 | 1,906,000 | 1,975,000 | 2,195,000 |
| Securities available for sale | 32,111,000 | 33,420,000 | 39,514,000 | 45,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,071,000 | 208,446,000 | 209,134,000 | 221,946,000 |
| Interest-bearing deposits | 120,761,000 | 135,385,000 | 143,186,000 | 159,585,000 |
| Noninterest-bearing deposits | 59,310,000 | 73,061,000 | 65,948,000 | 62,361,000 |
| Equity capital | 19,138,000 | 19,709,000 | 20,218,000 | 20,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,895,000 | 6,200,000 | 9,964,000 | 14,094,000 |
| Interest expense | 728,000 | 1,667,000 | 2,815,000 | 4,138,000 |
| Net interest income | 2,167,000 | 4,533,000 | 7,149,000 | 9,956,000 |
| Noninterest income | 83,000 | 169,000 | 253,000 | 337,000 |
| Noninterest expense | 1,463,000 | 2,996,000 | 4,629,000 | 6,278,000 |
| Provision for loan losses | 97,000 | 237,000 | 306,000 | 526,000 |
| Pretax income | 690,000 | 1,469,000 | 2,467,000 | 3,489,000 |
| Income tax | 265,000 | 564,000 | 951,000 | 1,255,000 |
| Net income | 425,000 | 905,000 | 1,516,000 | 2,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,324,000 | 19,822,000 | 20,442,000 | 21,183,000 |
| Total capital | 21,090,000 | 21,728,000 | 22,417,000 | 29,378,000 |
| Risk-weighted assets | 178,475,000 | 196,668,000 | 204,198,000 | 219,875,000 |