Call reports 2007
1ST CENTENNIAL BANK — 2007
What 1ST CENTENNIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 573,877,000 | 591,527,000 | 659,912,000 | 689,104,000 |
| Total loans | 453,566,000 | 463,597,000 | 493,769,000 | 521,449,000 |
| Allowance for loan losses | 5,804,000 | 6,100,000 | 6,197,000 | 6,805,000 |
| Securities available for sale | 74,038,000 | 75,880,000 | 126,197,000 | 126,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,894,000 | 501,072,000 | 489,182,000 | 479,035,000 |
| Interest-bearing deposits | 369,218,000 | 385,827,000 | 379,275,000 | 367,830,000 |
| Noninterest-bearing deposits | 109,676,000 | 115,245,000 | 109,907,000 | 111,205,000 |
| Equity capital | 60,426,000 | 56,048,000 | 59,429,000 | 62,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,477,000 | 23,377,000 | 36,111,000 | 49,211,000 |
| Interest expense | 3,807,000 | 7,989,000 | 13,023,000 | 18,307,000 |
| Net interest income | 7,670,000 | 15,388,000 | 23,088,000 | 30,904,000 |
| Noninterest income | 874,000 | 2,094,000 | 2,966,000 | 4,146,000 |
| Noninterest expense | 4,707,000 | 9,158,000 | 13,486,000 | 17,795,000 |
| Provision for loan losses | 100,000 | 400,000 | 700,000 | 2,350,000 |
| Pretax income | 3,771,000 | 7,958,000 | 11,902,000 | 14,945,000 |
| Income tax | 1,435,000 | 3,023,000 | 4,506,000 | 5,592,000 |
| Net income | 2,336,000 | 4,935,000 | 7,396,000 | 9,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,041,000 | 52,640,000 | 55,105,000 | 56,566,000 |
| Total capital | 62,339,000 | 58,948,000 | 61,749,000 | 62,859,000 |
| Risk-weighted assets | 503,359,000 | 503,913,000 | 531,197,000 | 502,149,000 |