Call reports 2004
CENTREBANK — 2004
What CENTREBANK 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 | 42,710,000 | 43,454,000 | 43,837,000 | 42,892,000 |
| Total loans | 32,919,000 | 33,043,000 | 33,423,000 | 33,514,000 |
| Allowance for loan losses | 658,000 | 678,000 | 680,000 | 684,000 |
| Securities available for sale | 2,318,000 | 2,637,000 | 2,647,000 | 2,372,000 |
| Securities held to maturity | 390,000 | 390,000 | 390,000 | 390,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,285,000 | 33,959,000 | 34,131,000 | 33,658,000 |
| Interest-bearing deposits | 26,833,000 | 26,593,000 | 27,281,000 | 22,528,000 |
| Noninterest-bearing deposits | 6,452,000 | 7,366,000 | 6,850,000 | 11,130,000 |
| Equity capital | 4,646,000 | 4,716,000 | 4,885,000 | 4,928,000 |
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 | 588,000 | 1,195,000 | 1,811,000 | 2,442,000 |
| Interest expense | 167,000 | 333,000 | 507,000 | 687,000 |
| Net interest income | 421,000 | 862,000 | 1,304,000 | 1,755,000 |
| Noninterest income | 76,000 | 148,000 | 244,000 | 325,000 |
| Noninterest expense | 392,000 | 764,000 | 1,156,000 | 1,572,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 90,000 | 216,000 | 347,000 | 463,000 |
| Income tax | 26,000 | 65,000 | 100,000 | 146,000 |
| Net income | 64,000 | 151,000 | 247,000 | 317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,628,000 | 4,714,000 | 4,867,000 | 4,918,000 |
| Total capital | 5,019,000 | 5,115,000 | 5,278,000 | 5,323,000 |
| Risk-weighted assets | 30,982,000 | 31,826,000 | 32,593,000 | 32,136,000 |