Call reports 2003
CENTRIC BANK — 2003
What CENTRIC 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 | 57,317,000 | 60,763,000 | 62,292,000 | 66,247,000 |
| Total loans | 38,513,000 | 42,020,000 | 44,417,000 | 48,460,000 |
| Allowance for loan losses | 666,000 | 649,000 | 649,000 | 660,000 |
| Securities available for sale | 3,429,000 | 3,716,000 | 5,947,000 | 5,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,201,000 | 50,527,000 | 48,043,000 | 56,094,000 |
| Interest-bearing deposits | 38,396,000 | 41,229,000 | 38,031,000 | 46,520,000 |
| Noninterest-bearing deposits | 11,805,000 | 9,298,000 | 10,012,000 | 9,574,000 |
| Equity capital | 5,402,000 | 5,499,000 | 5,720,000 | 5,393,000 |
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 | 874,000 | 1,700,000 | 2,529,000 | 3,418,000 |
| Interest expense | 211,000 | 420,000 | 607,000 | 824,000 |
| Net interest income | 663,000 | 1,280,000 | 1,922,000 | 2,594,000 |
| Noninterest income | 207,000 | 438,000 | 736,000 | 870,000 |
| Noninterest expense | 644,000 | 1,395,000 | 2,107,000 | 2,825,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 226,000 | 323,000 | 551,000 | 639,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 226,000 | 323,000 | 551,000 | 639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,402,000 | 5,500,000 | 5,727,000 | 5,406,000 |
| Total capital | 5,909,000 | 6,086,000 | 6,358,000 | 6,052,000 |
| Risk-weighted assets | 40,429,000 | 46,848,000 | 50,496,000 | 51,627,000 |