Call reports 2016
CENLAR FSB — 2016
What CENLAR FSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 948,895,000 | 1,036,045,000 | 1,049,408,000 | 1,089,464,000 |
| Total loans | 248,872,000 | 275,011,000 | 315,126,000 | 352,006,000 |
| Allowance for loan losses | 996,000 | 1,076,000 | 1,074,000 | 1,067,000 |
| Securities available for sale | 18,629,000 | 17,774,000 | 16,806,000 | 15,793,000 |
| Securities held to maturity | 598,474,000 | 645,453,000 | 628,000,000 | 585,902,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 713,324,000 | 790,974,000 | 798,758,000 | 873,374,000 |
| Interest-bearing deposits | 21,133,000 | 5,249,000 | 5,000,000 | 5,000,000 |
| Noninterest-bearing deposits | 692,191,000 | 785,725,000 | 793,758,000 | 868,374,000 |
| Equity capital | 84,778,000 | 88,115,000 | 92,073,000 | 93,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,462,000 | 11,045,000 | 17,051,000 | 22,907,000 |
| Interest expense | 453,000 | 796,000 | 1,024,000 | 1,269,000 |
| Net interest income | 5,009,000 | 10,249,000 | 16,027,000 | 21,638,000 |
| Noninterest income | 64,667,000 | 136,179,000 | 215,926,000 | 301,802,000 |
| Noninterest expense | 63,602,000 | 134,728,000 | 211,798,000 | 294,211,000 |
| Provision for loan losses | 100,000 | 212,000 | 228,000 | 256,000 |
| Pretax income | 5,943,000 | 11,420,000 | 19,859,000 | 28,889,000 |
| Income tax | 10,000 | 17,000 | 27,000 | 35,000 |
| Net income | 5,933,000 | 11,403,000 | 19,832,000 | 28,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,814,000 | 93,557,000 | 97,048,000 | 97,498,000 |
| Total capital | 90,810,000 | 94,633,000 | 98,122,000 | 98,565,000 |
| Risk-weighted assets | 323,974,000 | 348,177,000 | 367,645,000 | 429,674,000 |