Call reports 2003
1ST CENTENNIAL BANK — 2003
What 1ST CENTENNIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 218,312,000 | 234,098,000 | 234,488,000 | 254,251,000 |
| Total loans | 155,979,000 | 165,116,000 | 165,300,000 | 190,330,000 |
| Allowance for loan losses | 1,723,000 | 1,799,000 | 2,113,000 | 2,108,000 |
| Securities available for sale | 30,000,000 | 28,181,000 | 31,305,000 | 35,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,868,000 | 202,780,000 | 204,833,000 | 214,010,000 |
| Interest-bearing deposits | 131,320,000 | 138,056,000 | 142,586,000 | 146,173,000 |
| Noninterest-bearing deposits | 56,548,000 | 64,724,000 | 62,247,000 | 67,837,000 |
| Equity capital | 21,523,000 | 27,115,000 | 27,847,000 | 28,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,872,000 | 7,978,000 | 12,162,000 | 16,676,000 |
| Interest expense | 484,000 | 947,000 | 1,389,000 | 1,799,000 |
| Net interest income | 3,388,000 | 7,031,000 | 10,773,000 | 14,877,000 |
| Noninterest income | 613,000 | 1,411,000 | 2,256,000 | 3,059,000 |
| Noninterest expense | 2,967,000 | 6,380,000 | 9,774,000 | 13,574,000 |
| Provision for loan losses | 90,000 | 210,000 | 360,000 | 360,000 |
| Pretax income | 943,000 | 1,848,000 | 2,890,000 | 3,995,000 |
| Income tax | 356,000 | 680,000 | 1,067,000 | 1,486,000 |
| Net income | 587,000 | 1,168,000 | 1,823,000 | 2,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,946,000 | 22,569,000 | 23,221,000 | 23,910,000 |
| Total capital | 18,926,000 | 24,625,000 | 25,521,000 | 26,280,000 |
| Risk-weighted assets | 169,797,000 | 181,595,000 | 183,932,000 | 207,453,000 |