Call reports 2007
CENTRIC BANK — 2007
What CENTRIC BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,553,000 | 82,809,000 | 86,472,000 | 82,668,000 |
| Total loans | 51,098,000 | 54,098,000 | 57,773,000 | 59,303,000 |
| Allowance for loan losses | 607,000 | 638,000 | 868,000 | 905,000 |
| Securities available for sale | 9,439,000 | 10,913,000 | 11,309,000 | 13,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,945,000 | 67,291,000 | 71,079,000 | 65,187,000 |
| Interest-bearing deposits | 61,699,000 | 58,655,000 | 61,535,000 | 55,380,000 |
| Noninterest-bearing deposits | 9,246,000 | 8,636,000 | 9,544,000 | 9,807,000 |
| Equity capital | 10,938,000 | 10,746,000 | 10,776,000 | 10,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 737,000 | 2,100,000 | 3,477,000 | 4,881,000 |
| Interest expense | 350,000 | 1,028,000 | 1,717,000 | 2,368,000 |
| Net interest income | 387,000 | 1,072,000 | 1,760,000 | 2,513,000 |
| Noninterest income | 46,000 | 126,000 | 211,000 | 303,000 |
| Noninterest expense | 548,000 | 1,536,000 | 2,290,000 | 3,079,000 |
| Provision for loan losses | 20,000 | 30,000 | 80,000 | 102,000 |
| Pretax income | -136,000 | -369,000 | -400,000 | -366,000 |
| Income tax | -46,000 | -124,000 | -134,000 | -121,000 |
| Net income | -90,000 | -245,000 | -266,000 | -245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,287,000 | 10,362,000 | 10,150,000 | 10,176,000 |
| Total capital | 10,922,000 | 11,050,000 | 10,911,000 | 10,943,000 |
| Risk-weighted assets | 52,583,000 | 55,021,000 | 60,731,000 | 61,168,000 |