Call reports 2013
CERTUSBANK, NATIONAL ASSOCIATION — 2013
What CERTUSBANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,764,744,000 | 1,799,342,000 | 1,738,131,000 | 1,656,164,000 |
| Total loans | 920,258,000 | 1,005,987,000 | 1,013,949,000 | 973,706,000 |
| Allowance for loan losses | 19,265,000 | 21,210,000 | 30,083,000 | 32,777,000 |
| Securities available for sale | 351,931,000 | 333,370,000 | 312,837,000 | 275,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 742,000 | 1,681,000 | 1,813,000 | 1,957,000 |
| Total deposits | 1,482,968,000 | 1,535,775,000 | 1,484,541,000 | 1,469,701,000 |
| Interest-bearing deposits | 1,363,186,000 | 1,411,897,000 | 1,359,801,000 | 1,329,114,000 |
| Noninterest-bearing deposits | 119,782,000 | 123,878,000 | 124,740,000 | 140,587,000 |
| Equity capital | 226,455,000 | 208,233,000 | 195,807,000 | 141,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 17,601,000 | 36,342,000 | 54,517,000 | 72,293,000 |
| Interest expense | 2,504,000 | 4,731,000 | 6,665,000 | 8,416,000 |
| Net interest income | 15,097,000 | 31,611,000 | 47,852,000 | 63,877,000 |
| Noninterest income | 6,582,000 | 19,763,000 | 26,663,000 | 17,608,000 |
| Noninterest expense | 35,866,000 | 75,145,000 | 110,191,000 | 147,931,000 |
| Provision for loan losses | 531,000 | 2,929,000 | 8,757,000 | 27,536,000 |
| Pretax income | -14,032,000 | -25,479,000 | -43,063,000 | -93,289,000 |
| Income tax | -5,333,000 | -9,682,000 | -16,205,000 | -17,607,000 |
| Net income | -8,699,000 | -15,797,000 | -26,858,000 | -75,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 208,028,000 | 197,185,000 | 184,798,000 | 136,378,000 |
| Total capital | 220,351,000 | 210,690,000 | 199,299,000 | 151,497,000 |
| Risk-weighted assets | 978,156,000 | 1,072,388,000 | 1,143,684,000 | 1,190,393,000 |