Call reports 2008
CENTRIX BANK AND TRUST — 2008
What CENTRIX BANK AND TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 416,015,000 | 426,933,000 | 457,685,000 | 471,419,000 |
| Total loans | 319,157,000 | 335,578,000 | 347,211,000 | 361,076,000 |
| Allowance for loan losses | 3,330,000 | 3,456,000 | 3,541,000 | 3,700,000 |
| Securities available for sale | 54,355,000 | 59,387,000 | 74,817,000 | 95,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,235,000 | 346,581,000 | 373,284,000 | 389,645,000 |
| Interest-bearing deposits | 283,065,000 | 272,918,000 | 297,344,000 | 315,267,000 |
| Noninterest-bearing deposits | 62,170,000 | 73,663,000 | 75,940,000 | 74,378,000 |
| Equity capital | 28,354,000 | 28,699,000 | 30,451,000 | 32,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,499,000 | 12,947,000 | 19,670,000 | 26,510,000 |
| Interest expense | 2,813,000 | 5,333,000 | 7,854,000 | 10,199,000 |
| Net interest income | 3,686,000 | 7,614,000 | 11,816,000 | 16,311,000 |
| Noninterest income | 111,000 | 235,000 | 364,000 | 499,000 |
| Noninterest expense | 2,627,000 | 5,222,000 | 7,948,000 | 10,601,000 |
| Provision for loan losses | 73,000 | 199,000 | 289,000 | 822,000 |
| Pretax income | 1,097,000 | 2,428,000 | 3,943,000 | 5,387,000 |
| Income tax | 397,000 | 915,000 | 1,505,000 | 2,068,000 |
| Net income | 700,000 | 1,513,000 | 2,438,000 | 3,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,208,000 | 29,050,000 | 30,003,000 | 31,387,000 |
| Total capital | 37,538,000 | 38,506,000 | 39,544,000 | 41,087,000 |
| Risk-weighted assets | 343,229,000 | 356,471,000 | 370,896,000 | 382,028,000 |