Call reports 2023
CENLAR FSB — 2023
What CENLAR FSB reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,115,646,000 | 1,036,687,000 | 985,550,000 | 954,273,000 |
| Total loans | 295,092,000 | 286,665,000 | 277,837,000 | 272,249,000 |
| Allowance for loan losses | 751,000 | 714,000 | 705,000 | 710,000 |
| Securities available for sale | 1,701,000 | 1,656,000 | 1,616,000 | 1,595,000 |
| Securities held to maturity | 616,418,000 | 593,645,000 | 571,303,000 | 519,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 718,039,000 | 640,712,000 | 608,911,000 | 632,479,000 |
| Interest-bearing deposits | 150,000,000 | 150,000,000 | 150,235,000 | 149,910,000 |
| Noninterest-bearing deposits | 568,039,000 | 490,712,000 | 458,676,000 | 482,569,000 |
| Equity capital | 101,776,000 | 103,353,000 | 107,857,000 | 101,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,739,000 | 11,113,000 | 16,285,000 | 21,423,000 |
| Interest expense | 1,504,000 | 3,254,000 | 5,041,000 | 6,831,000 |
| Net interest income | 4,235,000 | 7,859,000 | 11,244,000 | 14,592,000 |
| Noninterest income | 125,025,000 | 249,186,000 | 377,276,000 | 499,105,000 |
| Noninterest expense | 124,134,000 | 250,675,000 | 378,052,000 | 506,970,000 |
| Provision for loan losses | -7,000 | -44,000 | -53,000 | -48,000 |
| Pretax income | 5,122,000 | 6,305,000 | 10,381,000 | 4,649,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 5,118,000 | 6,301,000 | 10,377,000 | 4,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,863,000 | 103,477,000 | 107,981,000 | 101,141,000 |
| Total capital | 102,614,000 | 104,191,000 | 108,686,000 | 101,851,000 |
| Risk-weighted assets | 369,613,000 | 353,054,000 | 338,775,000 | 348,378,000 |