Call reports 2012
CENLAR FSB — 2012
What CENLAR FSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 643,198,000 | 668,483,000 | 654,752,000 | 679,852,000 |
| Total loans | 57,197,000 | 59,451,000 | 62,028,000 | 65,911,000 |
| Allowance for loan losses | 576,000 | 749,000 | 725,000 | 792,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 508,868,000 | 519,887,000 | 521,392,000 | 551,915,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,706,000 | 533,886,000 | 513,608,000 | 536,750,000 |
| Interest-bearing deposits | 503,988,000 | 530,217,000 | 509,982,000 | 535,432,000 |
| Noninterest-bearing deposits | 3,718,000 | 3,669,000 | 3,626,000 | 1,318,000 |
| Equity capital | 46,372,000 | 47,927,000 | 51,460,000 | 53,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,140,000 | 10,267,000 | 15,080,000 | 19,798,000 |
| Interest expense | 1,391,000 | 2,610,000 | 3,497,000 | 4,996,000 |
| Net interest income | 3,749,000 | 7,657,000 | 11,583,000 | 14,802,000 |
| Noninterest income | 21,878,000 | 44,948,000 | 68,674,000 | 96,867,000 |
| Noninterest expense | 21,900,000 | 45,522,000 | 68,937,000 | 96,015,000 |
| Provision for loan losses | 568,000 | 965,000 | 1,112,000 | 1,272,000 |
| Pretax income | 2,316,000 | 4,854,000 | 8,538,000 | 12,227,000 |
| Income tax | 6,000 | 14,000 | 24,000 | 7,000 |
| Net income | 2,310,000 | 4,840,000 | 8,514,000 | 12,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,037,000 | 55,937,000 | 58,591,000 | 59,781,000 |
| Total capital | 55,613,000 | 56,686,000 | 59,316,000 | 60,573,000 |
| Risk-weighted assets | 219,020,000 | 209,122,000 | 207,462,000 | 216,514,000 |