Call reports 2005
1ST CENTENNIAL BANK — 2005
What 1ST CENTENNIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 385,829,000 | 424,737,000 | 445,084,000 | 455,732,000 |
| Total loans | 339,396,000 | 369,484,000 | 380,883,000 | 386,529,000 |
| Allowance for loan losses | 4,488,000 | 5,142,000 | 4,991,000 | 5,376,000 |
| Securities available for sale | 16,964,000 | 14,759,000 | 13,215,000 | 12,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,550,000 | 345,276,000 | 384,852,000 | 402,309,000 |
| Interest-bearing deposits | 210,356,000 | 240,620,000 | 267,061,000 | 295,162,000 |
| Noninterest-bearing deposits | 95,194,000 | 104,656,000 | 117,791,000 | 107,147,000 |
| Equity capital | 40,270,000 | 41,690,000 | 48,171,000 | 49,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,221,000 | 15,412,000 | 23,938,000 | 33,241,000 |
| Interest expense | 1,034,000 | 2,493,000 | 4,249,000 | 6,081,000 |
| Net interest income | 6,187,000 | 12,919,000 | 19,689,000 | 27,160,000 |
| Noninterest income | 931,000 | 2,024,000 | 3,203,000 | 4,424,000 |
| Noninterest expense | 4,540,000 | 9,433,000 | 14,557,000 | 19,406,000 |
| Provision for loan losses | 350,000 | 1,010,000 | 1,310,000 | 2,140,000 |
| Pretax income | 2,223,000 | 4,495,000 | 7,020,000 | 10,033,000 |
| Income tax | 883,000 | 1,783,000 | 2,794,000 | 4,002,000 |
| Net income | 1,340,000 | 2,712,000 | 4,226,000 | 6,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,541,000 | 36,920,000 | 43,425,000 | 45,697,000 |
| Total capital | 40,033,000 | 41,779,000 | 48,457,000 | 50,779,000 |
| Risk-weighted assets | 358,835,000 | 387,777,000 | 401,941,000 | 406,513,000 |