Call reports 2002
CENTRIC BANK — 2002
What CENTRIC BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 50,784,000 | 51,518,000 | 55,706,000 | 55,065,000 |
| Total loans | 34,375,000 | 37,890,000 | 38,974,000 | 38,834,000 |
| Allowance for loan losses | 636,000 | 672,000 | 720,000 | 666,000 |
| Securities available for sale | 1,850,000 | 1,847,000 | 2,009,000 | 4,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,623,000 | 46,267,000 | 50,058,000 | 47,748,000 |
| Interest-bearing deposits | 37,009,000 | 39,599,000 | 42,492,000 | 40,785,000 |
| Noninterest-bearing deposits | 8,614,000 | 6,668,000 | 7,566,000 | 6,963,000 |
| Equity capital | 4,976,000 | 4,946,000 | 5,397,000 | 5,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 714,000 | 1,538,000 | 2,355,000 | 3,188,000 |
| Interest expense | 299,000 | 580,000 | 843,000 | 1,084,000 |
| Net interest income | 415,000 | 958,000 | 1,512,000 | 2,104,000 |
| Noninterest income | 84,000 | 175,000 | 301,000 | 496,000 |
| Noninterest expense | 485,000 | 1,129,000 | 1,719,000 | 2,357,000 |
| Provision for loan losses | 2,000 | 38,000 | 86,000 | 106,000 |
| Pretax income | 12,000 | -34,000 | 8,000 | 137,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 12,000 | -34,000 | 8,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,955,000 | 4,908,000 | 5,363,000 | 5,493,000 |
| Total capital | 5,380,000 | 5,374,000 | 5,858,000 | 5,980,000 |
| Risk-weighted assets | 33,762,000 | 37,089,000 | 39,346,000 | 38,866,000 |