Call reports 2005
CENTENNIAL NATIONAL BANK — 2005
What CENTENNIAL NATIONAL 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 | 41,329,000 | 40,074,000 | 43,662,000 | 42,767,000 |
| Total loans | 28,132,000 | 26,742,000 | 30,623,000 | 31,279,000 |
| Allowance for loan losses | 643,000 | 562,000 | 483,000 | 470,000 |
| Securities available for sale | 4,995,000 | 5,986,000 | 5,748,000 | 6,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,742,000 | 32,176,000 | 33,683,000 | 30,873,000 |
| Interest-bearing deposits | 29,356,000 | 26,462,000 | 27,819,000 | 27,535,000 |
| Noninterest-bearing deposits | 4,386,000 | 5,714,000 | 5,864,000 | 3,338,000 |
| Equity capital | 4,259,000 | 5,083,000 | 5,063,000 | 4,860,000 |
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 | 579,000 | 296,000 | 934,000 | 1,594,000 |
| Interest expense | 189,000 | 100,000 | 307,000 | 550,000 |
| Net interest income | 390,000 | 196,000 | 627,000 | 1,044,000 |
| Noninterest income | 116,000 | 43,000 | 105,000 | 153,000 |
| Noninterest expense | 432,000 | 310,000 | 741,000 | 1,381,000 |
| Provision for loan losses | 82,000 | 0 | 0 | 0 |
| Pretax income | -8,000 | -71,000 | -9,000 | -184,000 |
| Income tax | 0 | 210,000 | 224,000 | 224,000 |
| Net income | -8,000 | -281,000 | -233,000 | -408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,601,000 | 4,162,000 | 4,217,000 | 4,050,000 |
| Total capital | 3,954,000 | 4,507,000 | 4,604,000 | 4,447,000 |
| Risk-weighted assets | 27,958,000 | 27,406,000 | 30,902,000 | 31,606,000 |