Call reports 2004
CENTENNIAL NATIONAL BANK — 2004
What CENTENNIAL NATIONAL 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 | 42,830,000 | 41,891,000 | 41,474,000 | 40,783,000 |
| Total loans | 30,923,000 | 31,517,000 | 31,017,000 | 29,261,000 |
| Allowance for loan losses | 555,000 | 548,000 | 573,000 | 566,000 |
| Securities available for sale | 3,439,000 | 3,767,000 | 4,247,000 | 5,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,914,000 | 34,069,000 | 33,691,000 | 33,165,000 |
| Interest-bearing deposits | 29,543,000 | 29,854,000 | 29,600,000 | 28,904,000 |
| Noninterest-bearing deposits | 3,371,000 | 4,215,000 | 4,091,000 | 4,261,000 |
| Equity capital | 4,606,000 | 4,547,000 | 4,514,000 | 4,310,000 |
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 | 664,000 | 1,243,000 | 1,876,000 | 2,463,000 |
| Interest expense | 227,000 | 430,000 | 628,000 | 823,000 |
| Net interest income | 437,000 | 813,000 | 1,248,000 | 1,640,000 |
| Noninterest income | 56,000 | 127,000 | 188,000 | 253,000 |
| Noninterest expense | 382,000 | 801,000 | 1,377,000 | 1,994,000 |
| Provision for loan losses | 57,000 | 101,000 | 126,000 | 208,000 |
| Pretax income | 54,000 | 38,000 | -67,000 | -309,000 |
| Income tax | 30,000 | 14,000 | -25,000 | -80,000 |
| Net income | 24,000 | 24,000 | -42,000 | -229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,862,000 | 3,862,000 | 3,796,000 | 3,609,000 |
| Total capital | 4,244,000 | 4,250,000 | 4,178,000 | 3,980,000 |
| Risk-weighted assets | 30,404,000 | 30,871,000 | 30,344,000 | 29,490,000 |