Call reports 2004
1ST CENTENNIAL BANK — 2004
What 1ST CENTENNIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 283,897,000 | 332,912,000 | 356,178,000 | 355,761,000 |
| Total loans | 218,587,000 | 261,748,000 | 306,437,000 | 312,167,000 |
| Allowance for loan losses | 2,449,000 | 2,871,000 | 3,448,000 | 4,137,000 |
| Securities available for sale | 32,793,000 | 27,496,000 | 24,009,000 | 20,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,081,000 | 291,914,000 | 291,414,000 | 293,255,000 |
| Interest-bearing deposits | 159,405,000 | 199,687,000 | 204,561,000 | 199,204,000 |
| Noninterest-bearing deposits | 82,676,000 | 92,227,000 | 86,853,000 | 94,051,000 |
| Equity capital | 29,153,000 | 29,656,000 | 37,866,000 | 39,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,985,000 | 10,420,000 | 16,897,000 | 23,719,000 |
| Interest expense | 460,000 | 1,074,000 | 1,820,000 | 2,706,000 |
| Net interest income | 4,525,000 | 9,346,000 | 15,077,000 | 21,013,000 |
| Noninterest income | 839,000 | 1,450,000 | 2,067,000 | 2,625,000 |
| Noninterest expense | 3,749,000 | 7,549,000 | 11,580,000 | 15,420,000 |
| Provision for loan losses | 428,000 | 868,000 | 1,408,000 | 2,098,000 |
| Pretax income | 1,187,000 | 2,379,000 | 4,156,000 | 6,120,000 |
| Income tax | 442,000 | 897,000 | 1,590,000 | 2,363,000 |
| Net income | 745,000 | 1,482,000 | 2,566,000 | 3,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,654,000 | 25,146,000 | 33,243,000 | 34,429,000 |
| Total capital | 27,395,000 | 28,309,000 | 37,083,000 | 38,561,000 |
| Risk-weighted assets | 235,119,000 | 280,420,000 | 323,947,000 | 330,128,000 |