Call reports 2009
CENTRIC BANK — 2009
What CENTRIC BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 128,419,000 | 139,833,000 | 152,541,000 | 160,917,000 |
| Total loans | 89,772,000 | 95,907,000 | 102,385,000 | 113,746,000 |
| Allowance for loan losses | 1,190,000 | 1,253,000 | 1,277,000 | 1,355,000 |
| Securities available for sale | 13,843,000 | 13,233,000 | 15,174,000 | 20,803,000 |
| Securities held to maturity | 2,896,000 | 2,767,000 | 2,641,000 | 1,261,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,533,000 | 120,194,000 | 133,161,000 | 139,801,000 |
| Interest-bearing deposits | 98,571,000 | 110,554,000 | 121,908,000 | 127,828,000 |
| Noninterest-bearing deposits | 9,962,000 | 9,640,000 | 11,253,000 | 11,973,000 |
| Equity capital | 12,661,000 | 12,489,000 | 12,285,000 | 14,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,604,000 | 3,276,000 | 4,935,000 | 6,801,000 |
| Interest expense | 772,000 | 1,539,000 | 2,345,000 | 3,154,000 |
| Net interest income | 832,000 | 1,737,000 | 2,590,000 | 3,647,000 |
| Noninterest income | 78,000 | 161,000 | 253,000 | 267,000 |
| Noninterest expense | 1,056,000 | 2,134,000 | 3,153,000 | 4,285,000 |
| Provision for loan losses | 49,000 | 111,000 | 315,000 | 1,296,000 |
| Pretax income | -132,000 | -284,000 | -562,000 | -2,392,000 |
| Income tax | -43,000 | -43,000 | -43,000 | 382,000 |
| Net income | -89,000 | -241,000 | -519,000 | -2,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,120,000 | 11,939,000 | 11,667,000 | 13,963,000 |
| Total capital | 13,328,000 | 13,210,000 | 12,965,000 | 15,345,000 |
| Risk-weighted assets | 98,171,000 | 116,270,000 | 121,138,000 | 123,331,000 |