Call reports 2014
CERTUSBANK, NATIONAL ASSOCIATION — 2014
What CERTUSBANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,570,969,000 | 1,560,955,000 | 1,549,274,000 | 1,483,012,000 |
| Total loans | 1,001,642,000 | 1,011,252,000 | 964,979,000 | 862,780,000 |
| Allowance for loan losses | 32,555,000 | 33,083,000 | 28,011,000 | 32,877,000 |
| Securities available for sale | 210,028,000 | 202,147,000 | 193,519,000 | 163,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,696,000 | 1,525,000 | 1,126,000 | 618,000 |
| Total deposits | 1,398,281,000 | 1,349,862,000 | 1,393,565,000 | 1,365,243,000 |
| Interest-bearing deposits | 1,231,096,000 | 1,224,299,000 | 1,264,394,000 | 1,232,752,000 |
| Noninterest-bearing deposits | 167,185,000 | 125,563,000 | 129,171,000 | 132,491,000 |
| Equity capital | 135,619,000 | 123,005,000 | 107,577,000 | 78,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 17,667,000 | 35,419,000 | 52,127,000 | 65,631,000 |
| Interest expense | 1,711,000 | 3,621,000 | 6,000,000 | 8,506,000 |
| Net interest income | 15,956,000 | 31,798,000 | 46,127,000 | 57,125,000 |
| Noninterest income | 7,985,000 | 12,543,000 | 17,199,000 | 10,102,000 |
| Noninterest expense | 32,589,000 | 67,185,000 | 96,923,000 | 118,325,000 |
| Provision for loan losses | 1,206,000 | 2,084,000 | 6,285,000 | 9,777,000 |
| Pretax income | -9,040,000 | -24,057,000 | -39,011,000 | -59,552,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -9,040,000 | -24,057,000 | -39,011,000 | -69,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,064,000 | 114,173,000 | 99,842,000 | 70,843,000 |
| Total capital | 143,353,000 | 129,516,000 | 114,466,000 | 83,813,000 |
| Risk-weighted assets | 1,204,485,000 | 1,208,152,000 | 1,155,168,000 | 1,016,799,000 |