Call reports 2004
CENTINEL BANK OF TAOS — 2004
What CENTINEL BANK OF TAOS 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 | 124,123,000 | 117,173,000 | 121,132,000 | 125,224,000 |
| Total loans | 68,204,000 | 71,226,000 | 72,194,000 | 69,678,000 |
| Allowance for loan losses | 936,000 | 943,000 | 954,000 | 971,000 |
| Securities available for sale | 29,941,000 | 28,357,000 | 26,087,000 | 34,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,758,000 | 105,608,000 | 109,253,000 | 113,509,000 |
| Interest-bearing deposits | 75,430,000 | 72,368,000 | 75,369,000 | 79,868,000 |
| Noninterest-bearing deposits | 36,328,000 | 33,240,000 | 33,884,000 | 33,641,000 |
| Equity capital | 10,024,000 | 9,228,000 | 9,512,000 | 9,366,000 |
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 | 1,503,000 | 3,042,000 | 4,635,000 | 6,262,000 |
| Interest expense | 235,000 | 466,000 | 708,000 | 973,000 |
| Net interest income | 1,268,000 | 2,576,000 | 3,927,000 | 5,289,000 |
| Noninterest income | 348,000 | 694,000 | 1,044,000 | 1,419,000 |
| Noninterest expense | 1,108,000 | 2,245,000 | 3,362,000 | 4,646,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 500,000 | 1,002,000 | 1,571,000 | 2,009,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 500,000 | 1,002,000 | 1,571,000 | 2,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,429,000 | 9,209,000 | 9,273,000 | 9,260,000 |
| Total capital | 10,365,000 | 10,152,000 | 10,227,000 | 10,216,000 |
| Risk-weighted assets | 75,990,000 | 75,858,000 | 77,362,000 | 76,477,000 |