Call reports 2003
CENTREBANK — 2003
What CENTREBANK 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 | 42,390,000 | 40,839,000 | 41,413,000 | 40,733,000 |
| Total loans | 34,179,000 | 34,589,000 | 34,077,000 | 32,914,000 |
| Allowance for loan losses | 500,000 | 514,000 | 671,000 | 648,000 |
| Securities available for sale | 2,248,000 | 2,342,000 | 2,348,000 | 2,620,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,183,000 | 30,703,000 | 31,555,000 | 31,394,000 |
| Interest-bearing deposits | 26,024,000 | 25,363,000 | 26,242,000 | 26,679,000 |
| Noninterest-bearing deposits | 6,159,000 | 5,340,000 | 5,313,000 | 4,715,000 |
| Equity capital | 4,424,000 | 4,521,000 | 4,550,000 | 4,584,000 |
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 | 641,000 | 1,294,000 | 1,951,000 | 2,553,000 |
| Interest expense | 199,000 | 392,000 | 574,000 | 745,000 |
| Net interest income | 442,000 | 902,000 | 1,377,000 | 1,808,000 |
| Noninterest income | 62,000 | 137,000 | 199,000 | 235,000 |
| Noninterest expense | 356,000 | 722,000 | 1,096,000 | 1,446,000 |
| Provision for loan losses | 20,000 | 35,000 | 165,000 | 195,000 |
| Pretax income | 128,000 | 282,000 | 315,000 | 402,000 |
| Income tax | 48,000 | 105,000 | 97,000 | 124,000 |
| Net income | 80,000 | 177,000 | 218,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,385,000 | 4,482,000 | 4,522,000 | 4,563,000 |
| Total capital | 4,782,000 | 4,885,000 | 4,915,000 | 4,949,000 |
| Risk-weighted assets | 31,662,000 | 32,139,000 | 31,552,000 | 30,647,000 |