Call reports 2004
CENTENNIAL BANK — 2004
What CENTENNIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 17,584,000 | 17,928,000 | 18,356,000 | 40,415,000 |
| Total loans | 8,718,000 | 10,383,000 | 10,650,000 | 10,552,000 |
| Allowance for loan losses | 174,000 | 148,000 | 152,000 | 160,000 |
| Securities available for sale | 3,326,000 | 3,256,000 | 3,256,000 | 6,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,029,000 | 16,328,000 | 16,703,000 | 33,238,000 |
| Interest-bearing deposits | 13,707,000 | 13,561,000 | 14,286,000 | 28,109,000 |
| Noninterest-bearing deposits | 2,322,000 | 2,767,000 | 2,417,000 | 5,129,000 |
| Equity capital | 1,443,000 | 1,484,000 | 1,527,000 | 7,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 489,000 | 763,000 | 1,022,000 |
| Interest expense | 53,000 | 104,000 | 161,000 | 239,000 |
| Net interest income | 189,000 | 385,000 | 602,000 | 783,000 |
| Noninterest income | 31,000 | 74,000 | 96,000 | 127,000 |
| Noninterest expense | 165,000 | 337,000 | 516,000 | 724,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 54,000 | 138,000 | 198,000 | 193,000 |
| Income tax | 18,000 | 45,000 | 65,000 | 63,000 |
| Net income | 36,000 | 93,000 | 133,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,426,000 | 1,483,000 | 1,523,000 | 5,242,000 |
| Total capital | 1,547,000 | 1,609,000 | 1,652,000 | 5,402,000 |
| Risk-weighted assets | 9,629,000 | 10,023,000 | 10,672,000 | 14,901,000 |