Call reports 2003
CENTENNIAL NATIONAL BANK — 2003
What CENTENNIAL NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 40,575,000 | 41,908,000 | 44,342,000 | 44,033,000 |
| Total loans | 32,431,000 | 33,155,000 | 34,717,000 | 33,264,000 |
| Allowance for loan losses | 310,000 | 332,000 | 376,000 | 486,000 |
| Securities available for sale | 2,550,000 | 2,991,000 | 3,551,000 | 4,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,124,000 | 31,466,000 | 34,247,000 | 34,236,000 |
| Interest-bearing deposits | 26,170,000 | 27,484,000 | 30,446,000 | 30,955,000 |
| Noninterest-bearing deposits | 3,954,000 | 3,982,000 | 3,801,000 | 3,281,000 |
| Equity capital | 5,083,000 | 5,127,000 | 4,816,000 | 4,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 711,000 | 1,424,000 | 2,167,000 | 2,867,000 |
| Interest expense | 261,000 | 513,000 | 760,000 | 1,002,000 |
| Net interest income | 450,000 | 911,000 | 1,407,000 | 1,865,000 |
| Noninterest income | 122,000 | 225,000 | 349,000 | 430,000 |
| Noninterest expense | 373,000 | 715,000 | 1,071,000 | 1,475,000 |
| Provision for loan losses | 116,000 | 363,000 | 409,000 | 723,000 |
| Pretax income | 83,000 | 58,000 | 276,000 | 97,000 |
| Income tax | 72,000 | 24,000 | 114,000 | 30,000 |
| Net income | 11,000 | 34,000 | 162,000 | 67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,338,000 | 4,360,000 | 4,087,000 | 3,838,000 |
| Total capital | 4,648,000 | 4,692,000 | 4,463,000 | 4,241,000 |
| Risk-weighted assets | 31,544,000 | 32,279,000 | 33,304,000 | 32,144,000 |