Call reports 2005
CENTRIC BANK — 2005
What CENTRIC 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 | 77,841,000 | 76,923,000 | 87,380,000 | 81,197,000 |
| Total loans | 58,484,000 | 63,164,000 | 65,152,000 | 69,026,000 |
| Allowance for loan losses | 691,000 | 726,000 | 755,000 | 778,000 |
| Securities available for sale | 6,298,000 | 6,102,000 | 5,837,000 | 5,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,171,000 | 70,050,000 | 78,924,000 | 69,374,000 |
| Interest-bearing deposits | 54,407,000 | 61,084,000 | 60,841,000 | 59,401,000 |
| Noninterest-bearing deposits | 13,764,000 | 8,966,000 | 18,083,000 | 9,973,000 |
| Equity capital | 5,676,000 | 5,750,000 | 5,612,000 | 5,791,000 |
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 | 1,058,000 | 2,215,000 | 3,513,000 | 4,922,000 |
| Interest expense | 361,000 | 777,000 | 1,228,000 | 1,747,000 |
| Net interest income | 697,000 | 1,438,000 | 2,285,000 | 3,175,000 |
| Noninterest income | 72,000 | 184,000 | 237,000 | 361,000 |
| Noninterest expense | 720,000 | 1,518,000 | 2,214,000 | 2,919,000 |
| Provision for loan losses | 31,000 | 61,000 | 99,000 | 130,000 |
| Pretax income | 18,000 | 43,000 | 209,000 | 487,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 18,000 | 43,000 | 209,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,852,000 | 5,877,000 | 5,763,000 | 6,041,000 |
| Total capital | 6,543,000 | 6,603,000 | 6,518,000 | 6,819,000 |
| Risk-weighted assets | 65,107,000 | 62,949,000 | 63,358,000 | 66,511,000 |