Call reports 2014
CENLAR FSB — 2014
What CENLAR FSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 846,310,000 | 889,870,000 | 859,262,000 | 862,858,000 |
| Total loans | 121,900,000 | 131,155,000 | 152,423,000 | 167,395,000 |
| Allowance for loan losses | 740,000 | 644,000 | 696,000 | 825,000 |
| Securities available for sale | 28,096,000 | 26,915,000 | 25,604,000 | 24,587,000 |
| Securities held to maturity | 563,077,000 | 556,592,000 | 574,592,000 | 567,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 688,822,000 | 733,196,000 | 690,649,000 | 716,890,000 |
| Interest-bearing deposits | 683,114,000 | 725,539,000 | 681,648,000 | 712,464,000 |
| Noninterest-bearing deposits | 5,708,000 | 7,657,000 | 9,001,000 | 4,426,000 |
| Equity capital | 64,888,000 | 68,236,000 | 71,663,000 | 73,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,932,000 | 10,036,000 | 15,077,000 | 20,212,000 |
| Interest expense | 827,000 | 1,725,000 | 2,686,000 | 3,382,000 |
| Net interest income | 4,105,000 | 8,311,000 | 12,391,000 | 16,830,000 |
| Noninterest income | 34,953,000 | 72,171,000 | 114,877,000 | 161,175,000 |
| Noninterest expense | 35,695,000 | 72,352,000 | 112,875,000 | 157,251,000 |
| Provision for loan losses | 95,000 | 146,000 | 253,000 | 478,000 |
| Pretax income | 3,160,000 | 7,856,000 | 13,931,000 | 20,728,000 |
| Income tax | 7,000 | 9,000 | 9,000 | 13,000 |
| Net income | 3,153,000 | 7,847,000 | 13,922,000 | 20,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,156,000 | 71,815,000 | 74,424,000 | 76,785,000 |
| Total capital | 68,896,000 | 72,459,000 | 75,120,000 | 77,610,000 |
| Risk-weighted assets | 251,450,000 | 258,250,000 | 267,960,000 | 281,549,000 |