Call reports 2008
CENTREBANK — 2008
What CENTREBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 56,404,000 | 57,022,000 | 53,421,000 | 51,754,000 |
| Total loans | 38,575,000 | 41,114,000 | 42,835,000 | 42,606,000 |
| Allowance for loan losses | 585,000 | 601,000 | 622,000 | 595,000 |
| Securities available for sale | 2,035,000 | 3,485,000 | 2,972,000 | 2,245,000 |
| Securities held to maturity | 85,000 | 751,000 | 599,000 | 597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,455,000 | 49,115,000 | 44,959,000 | 43,273,000 |
| Interest-bearing deposits | 39,314,000 | 39,794,000 | 36,843,000 | 36,495,000 |
| Noninterest-bearing deposits | 8,141,000 | 9,321,000 | 8,116,000 | 6,778,000 |
| Equity capital | 5,473,000 | 5,410,000 | 5,429,000 | 5,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 838,000 | 1,648,000 | 2,498,000 | 3,280,000 |
| Interest expense | 381,000 | 743,000 | 1,076,000 | 1,396,000 |
| Net interest income | 457,000 | 905,000 | 1,422,000 | 1,884,000 |
| Noninterest income | 87,000 | 113,000 | 207,000 | 297,000 |
| Noninterest expense | 444,000 | 943,000 | 1,481,000 | 1,927,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 83,000 | 44,000 | 102,000 | 193,000 |
| Income tax | 5,000 | 15,000 | 61,000 | 74,000 |
| Net income | 78,000 | 29,000 | 41,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,461,000 | 5,402,000 | 5,419,000 | 5,491,000 |
| Total capital | 6,039,000 | 5,929,000 | 5,940,000 | 5,999,000 |
| Risk-weighted assets | 57,179,000 | 42,061,000 | 41,573,000 | 40,522,000 |