Call reports 2004
CENTRIC BANK — 2004
What CENTRIC 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 | 77,978,000 | 67,203,000 | 71,375,000 | 70,001,000 |
| Total loans | 51,342,000 | 51,929,000 | 55,867,000 | 57,609,000 |
| Allowance for loan losses | 660,000 | 723,000 | 725,000 | 725,000 |
| Securities available for sale | 5,880,000 | 5,476,000 | 3,844,000 | 3,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,754,000 | 52,297,000 | 60,355,000 | 58,503,000 |
| Interest-bearing deposits | 54,512,000 | 42,369,000 | 47,578,000 | 48,139,000 |
| Noninterest-bearing deposits | 13,242,000 | 9,928,000 | 12,777,000 | 10,364,000 |
| Equity capital | 5,450,000 | 5,888,000 | 6,099,000 | 5,805,000 |
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 | 889,000 | 1,830,000 | 2,715,000 | 3,703,000 |
| Interest expense | 256,000 | 532,000 | 811,000 | 1,115,000 |
| Net interest income | 633,000 | 1,298,000 | 1,904,000 | 2,588,000 |
| Noninterest income | 166,000 | 880,000 | 1,086,000 | 1,210,000 |
| Noninterest expense | 677,000 | 1,391,000 | 2,065,000 | 2,822,000 |
| Provision for loan losses | 0 | 146,000 | 146,000 | 146,000 |
| Pretax income | 122,000 | 641,000 | 774,000 | 825,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 122,000 | 641,000 | 774,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,443,000 | 5,990,000 | 6,123,000 | 5,834,000 |
| Total capital | 6,103,000 | 6,689,000 | 6,848,000 | 6,559,000 |
| Risk-weighted assets | 56,681,000 | 56,039,000 | 53,975,000 | 61,440,000 |