Call reports 2005
CENTREBANK — 2005
What CENTREBANK 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 | 43,984,000 | 45,010,000 | 45,978,000 | 44,231,000 |
| Total loans | 33,610,000 | 35,394,000 | 35,679,000 | 35,848,000 |
| Allowance for loan losses | 699,000 | 711,000 | 703,000 | 704,000 |
| Securities available for sale | 2,601,000 | 2,912,000 | 2,888,000 | 2,790,000 |
| Securities held to maturity | 300,000 | 300,000 | 275,000 | 275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,670,000 | 35,586,000 | 37,016,000 | 35,214,000 |
| Interest-bearing deposits | 22,001,000 | 23,070,000 | 27,905,000 | 28,080,000 |
| Noninterest-bearing deposits | 12,669,000 | 12,516,000 | 9,111,000 | 7,134,000 |
| Equity capital | 4,995,000 | 5,081,000 | 4,582,000 | 4,661,000 |
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 | 633,000 | 1,292,000 | 1,994,000 | 2,731,000 |
| Interest expense | 182,000 | 382,000 | 603,000 | 839,000 |
| Net interest income | 451,000 | 910,000 | 1,391,000 | 1,892,000 |
| Noninterest income | 81,000 | 160,000 | 252,000 | 334,000 |
| Noninterest expense | 393,000 | 802,000 | 1,225,000 | 1,646,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 124,000 | 244,000 | 394,000 | 556,000 |
| Income tax | 42,000 | 84,000 | 144,000 | 203,000 |
| Net income | 82,000 | 160,000 | 250,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,999,000 | 5,072,000 | 4,583,000 | 4,665,000 |
| Total capital | 5,414,000 | 5,586,000 | 5,015,000 | 5,098,000 |
| Risk-weighted assets | 32,900,000 | 40,893,000 | 34,265,000 | 34,351,000 |