Call reports 2015
CENTREBANK — 2015
What CENTREBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,443,000 | 67,350,000 | 67,489,000 | 70,075,000 |
| Total loans | 46,380,000 | 47,347,000 | 46,312,000 | 45,898,000 |
| Allowance for loan losses | 1,156,000 | 885,000 | 593,000 | 931,000 |
| Securities available for sale | 2,038,000 | 2,030,000 | 1,778,000 | 1,769,000 |
| Securities held to maturity | 0 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,043,000 | 59,688,000 | 59,576,000 | 62,447,000 |
| Interest-bearing deposits | 46,023,000 | 47,246,000 | 47,250,000 | 49,343,000 |
| Noninterest-bearing deposits | 14,020,000 | 12,442,000 | 12,326,000 | 13,104,000 |
| Equity capital | 7,024,000 | 7,136,000 | 7,293,000 | 7,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 704,000 | 1,429,000 | 2,156,000 | 2,875,000 |
| Interest expense | 74,000 | 149,000 | 223,000 | 300,000 |
| Net interest income | 630,000 | 1,280,000 | 1,933,000 | 2,575,000 |
| Noninterest income | 134,000 | 310,000 | 484,000 | 654,000 |
| Noninterest expense | 575,000 | 1,213,000 | 1,783,000 | 2,444,000 |
| Provision for loan losses | 0 | 0 | 0 | 365,000 |
| Pretax income | 189,000 | 377,000 | 634,000 | 420,000 |
| Income tax | 77,000 | 151,000 | 253,000 | 158,000 |
| Net income | 112,000 | 226,000 | 381,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,019,000 | 7,133,000 | 7,288,000 | 7,169,000 |
| Total capital | 7,588,000 | 7,682,000 | 7,830,000 | 7,695,000 |
| Risk-weighted assets | 45,010,000 | 43,609,000 | 43,283,000 | 41,707,000 |