Call reports 2007
CENTRIX BANK AND TRUST — 2007
What CENTRIX BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 339,164,000 | 356,263,000 | 376,063,000 | 380,886,000 |
| Total loans | 265,379,000 | 278,804,000 | 288,960,000 | 308,764,000 |
| Allowance for loan losses | 3,026,000 | 2,905,000 | 3,040,000 | 3,265,000 |
| Securities available for sale | 48,837,000 | 48,545,000 | 50,350,000 | 48,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,098,000 | 291,364,000 | 307,526,000 | 294,835,000 |
| Interest-bearing deposits | 214,882,000 | 223,293,000 | 242,168,000 | 227,898,000 |
| Noninterest-bearing deposits | 59,216,000 | 68,071,000 | 65,358,000 | 66,937,000 |
| Equity capital | 24,440,000 | 24,914,000 | 26,083,000 | 27,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,852,000 | 12,016,000 | 18,687,000 | 25,433,000 |
| Interest expense | 2,621,000 | 5,436,000 | 8,499,000 | 11,532,000 |
| Net interest income | 3,231,000 | 6,580,000 | 10,188,000 | 13,901,000 |
| Noninterest income | 88,000 | 179,000 | 266,000 | 383,000 |
| Noninterest expense | 2,138,000 | 4,327,000 | 6,670,000 | 8,954,000 |
| Provision for loan losses | 131,000 | 27,000 | 162,000 | 387,000 |
| Pretax income | 1,050,000 | 2,405,000 | 3,622,000 | 4,943,000 |
| Income tax | 400,000 | 919,000 | 1,373,000 | 1,907,000 |
| Net income | 650,000 | 1,486,000 | 2,249,000 | 3,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,756,000 | 25,631,000 | 26,453,000 | 27,367,000 |
| Total capital | 33,782,000 | 34,536,000 | 35,493,000 | 36,632,000 |
| Risk-weighted assets | 287,381,000 | 301,850,000 | 311,890,000 | 328,359,000 |