Call reports 2015
CENLAR FSB — 2015
What CENLAR FSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 843,615,000 | 905,766,000 | 853,670,000 | 925,548,000 |
| Total loans | 171,872,000 | 189,083,000 | 208,524,000 | 220,848,000 |
| Allowance for loan losses | 844,000 | 851,000 | 892,000 | 902,000 |
| Securities available for sale | 23,484,000 | 22,282,000 | 20,953,000 | 19,653,000 |
| Securities held to maturity | 577,582,000 | 590,163,000 | 552,966,000 | 585,888,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 654,596,000 | 704,309,000 | 646,199,000 | 735,305,000 |
| Interest-bearing deposits | 646,778,000 | 694,336,000 | 636,059,000 | 457,875,000 |
| Noninterest-bearing deposits | 7,818,000 | 9,973,000 | 10,140,000 | 277,430,000 |
| Equity capital | 74,896,000 | 79,580,000 | 81,059,000 | 82,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,148,000 | 10,151,000 | 15,034,000 | 19,930,000 |
| Interest expense | 893,000 | 1,741,000 | 2,585,000 | 3,422,000 |
| Net interest income | 4,255,000 | 8,410,000 | 12,449,000 | 16,508,000 |
| Noninterest income | 49,033,000 | 102,866,000 | 158,024,000 | 218,366,000 |
| Noninterest expense | 45,088,000 | 94,746,000 | 146,400,000 | 204,564,000 |
| Provision for loan losses | 69,000 | 143,000 | 388,000 | 517,000 |
| Pretax income | 8,094,000 | 16,299,000 | 23,551,000 | 29,583,000 |
| Income tax | 5,000 | 4,000 | 16,000 | 23,000 |
| Net income | 8,089,000 | 16,295,000 | 23,535,000 | 29,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,603,000 | 83,074,000 | 85,190,000 | 86,234,000 |
| Total capital | 79,447,000 | 83,925,000 | 86,082,000 | 87,136,000 |
| Risk-weighted assets | 281,019,000 | 285,799,000 | 288,413,000 | 326,232,000 |