Call reports 2006
CENTRIC BANK — 2006
What CENTRIC BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 80,928,000 | 83,545,000 | 75,259,000 | 74,608,000 |
| Total loans | 64,207,000 | 59,831,000 | 55,859,000 | 52,537,000 |
| Allowance for loan losses | 751,000 | 734,000 | 770,000 | 797,000 |
| Securities available for sale | 5,438,000 | 7,470,000 | 6,803,000 | 8,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,137,000 | 70,534,000 | 62,357,000 | 61,617,000 |
| Interest-bearing deposits | 61,428,000 | 63,889,000 | 56,537,000 | 53,034,000 |
| Noninterest-bearing deposits | 8,709,000 | 6,645,000 | 5,820,000 | 8,583,000 |
| Equity capital | 6,175,000 | 8,185,000 | 8,285,000 | 8,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,339,000 | 2,684,000 | 4,076,000 | 5,357,000 |
| Interest expense | 547,000 | 1,158,000 | 1,821,000 | 2,420,000 |
| Net interest income | 792,000 | 1,526,000 | 2,255,000 | 2,937,000 |
| Noninterest income | 131,000 | 226,000 | 327,000 | 412,000 |
| Noninterest expense | 742,000 | 1,490,000 | 2,276,000 | 3,132,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 151,000 | 202,000 | 216,000 | 97,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 151,000 | 202,000 | 216,000 | 97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,251,000 | 8,304,000 | 8,320,000 | 8,202,000 |
| Total capital | 7,002,000 | 9,038,000 | 9,028,000 | 8,886,000 |
| Risk-weighted assets | 62,930,000 | 59,087,000 | 56,602,000 | 54,608,000 |