Call reports 2005
CENTENNIAL BANK — 2005
What CENTENNIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 62,025,000 | 81,724,000 | 99,980,000 | 112,702,000 |
| Total loans | 41,584,000 | 62,051,000 | 79,761,000 | 83,564,000 |
| Allowance for loan losses | 378,000 | 845,000 | 769,000 | 827,000 |
| Securities available for sale | 7,275,000 | 10,024,000 | 9,966,000 | 9,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,149,000 | 66,442,000 | 83,847,000 | 95,093,000 |
| Interest-bearing deposits | 47,168,000 | 58,403,000 | 75,275,000 | 85,330,000 |
| Noninterest-bearing deposits | 5,980,000 | 8,039,000 | 8,572,000 | 9,763,000 |
| Equity capital | 8,666,000 | 9,223,000 | 9,988,000 | 11,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,818,000 | 3,378,000 | 5,127,000 |
| Interest expense | 220,000 | 578,000 | 1,091,000 | 1,739,000 |
| Net interest income | 408,000 | 1,240,000 | 2,287,000 | 3,388,000 |
| Noninterest income | 44,000 | 67,000 | 105,000 | 152,000 |
| Noninterest expense | 651,000 | 1,731,000 | 2,631,000 | 3,669,000 |
| Provision for loan losses | 218,000 | 539,000 | 613,000 | 671,000 |
| Pretax income | -393,000 | -963,000 | -876,000 | -824,000 |
| Income tax | 74,000 | 0 | 0 | 0 |
| Net income | -467,000 | -963,000 | -876,000 | -824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,255,000 | 7,479,000 | 8,564,000 | 9,880,000 |
| Total capital | 7,633,000 | 8,098,000 | 9,333,000 | 10,707,000 |
| Risk-weighted assets | 36,684,000 | 49,279,000 | 63,522,000 | 71,210,000 |