Call reports 2004
CENTER NATIONAL BANK — 2004
What CENTER NATIONAL 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 | 123,680,000 | 126,240,000 | 122,206,000 | 130,340,000 |
| Total loans | 72,192,000 | 73,354,000 | 75,416,000 | 75,946,000 |
| Allowance for loan losses | 1,294,000 | 1,322,000 | 1,158,000 | 1,213,000 |
| Securities available for sale | 19,527,000 | 19,476,000 | 17,576,000 | 17,228,000 |
| Securities held to maturity | 14,169,000 | 14,217,000 | 13,982,000 | 13,358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,912,000 | 109,839,000 | 103,412,000 | 112,604,000 |
| Interest-bearing deposits | 97,491,000 | 98,826,000 | 91,739,000 | 96,607,000 |
| Noninterest-bearing deposits | 10,420,000 | 11,012,000 | 11,674,000 | 15,997,000 |
| Equity capital | 14,324,000 | 14,436,000 | 15,073,000 | 15,438,000 |
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 | 1,637,000 | 3,233,000 | 4,836,000 | 6,388,000 |
| Interest expense | 444,000 | 841,000 | 1,252,000 | 1,709,000 |
| Net interest income | 1,193,000 | 2,392,000 | 3,584,000 | 4,679,000 |
| Noninterest income | 158,000 | 322,000 | 441,000 | 609,000 |
| Noninterest expense | 542,000 | 1,309,000 | 1,876,000 | 2,437,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 779,000 | 1,282,000 | 1,996,000 | 2,668,000 |
| Income tax | 274,000 | 436,000 | 684,000 | 915,000 |
| Net income | 505,000 | 846,000 | 1,312,000 | 1,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,208,000 | 14,549,000 | 15,015,000 | 15,456,000 |
| Total capital | 15,253,000 | 15,606,000 | 16,021,000 | 16,532,000 |
| Risk-weighted assets | 83,460,000 | 84,263,000 | 80,554,000 | 86,217,000 |