Call reports 2024
CENLAR FSB — 2024
What CENLAR FSB reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 966,630,000 | 990,910,000 | 947,844,000 | 942,434,000 |
| Total loans | 267,251,000 | 257,723,000 | 251,573,000 | 242,151,000 |
| Allowance for loan losses | 690,000 | 677,000 | 661,000 | 709,000 |
| Securities available for sale | 1,570,000 | 1,517,000 | 1,498,000 | 1,432,000 |
| Securities held to maturity | 555,257,000 | 569,823,000 | 549,224,000 | 520,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 568,953,000 | 610,527,000 | 570,520,000 | 601,411,000 |
| Interest-bearing deposits | 149,773,000 | 149,773,000 | 49,870,000 | 50,119,000 |
| Noninterest-bearing deposits | 419,180,000 | 460,754,000 | 520,650,000 | 551,292,000 |
| Equity capital | 125,919,000 | 124,389,000 | 127,113,000 | 132,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 7,665,000 | 14,809,000 | 20,473,000 | 27,250,000 |
| Interest expense | 1,500,000 | 3,523,000 | 4,137,000 | 4,780,000 |
| Net interest income | 6,165,000 | 11,286,000 | 16,336,000 | 22,470,000 |
| Noninterest income | 122,552,000 | 242,429,000 | 365,512,000 | 478,768,000 |
| Noninterest expense | 132,507,000 | 259,310,000 | 383,184,000 | 496,245,000 |
| Provision for loan losses | -20,000 | -33,000 | -49,000 | -26,000 |
| Pretax income | -3,770,000 | -5,562,000 | -1,287,000 | 4,745,000 |
| Income tax | -11,044,000 | -11,562,000 | -10,194,000 | -9,459,000 |
| Net income | 7,274,000 | 6,000,000 | 8,907,000 | 14,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,006,000 | 123,046,000 | 127,119,000 | 132,176,000 |
| Total capital | 126,696,000 | 123,723,000 | 127,780,000 | 132,885,000 |
| Risk-weighted assets | 340,200,000 | 335,918,000 | 330,459,000 | 352,976,000 |