Call reports 2010
CENTRIC BANK — 2010
What CENTRIC BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 174,464,000 | 182,100,000 | 193,697,000 | 199,597,000 |
| Total loans | 122,755,000 | 135,387,000 | 138,413,000 | 148,166,000 |
| Allowance for loan losses | 1,423,000 | 1,502,000 | 1,651,000 | 1,812,000 |
| Securities available for sale | 19,679,000 | 20,364,000 | 23,240,000 | 22,422,000 |
| Securities held to maturity | 1,170,000 | 1,111,000 | 1,081,000 | 1,052,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,498,000 | 159,480,000 | 169,761,000 | 174,559,000 |
| Interest-bearing deposits | 140,580,000 | 144,860,000 | 156,246,000 | 161,340,000 |
| Noninterest-bearing deposits | 12,918,000 | 14,620,000 | 13,515,000 | 13,219,000 |
| Equity capital | 14,388,000 | 16,016,000 | 17,356,000 | 18,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,967,000 | 4,098,000 | 6,336,000 | 8,643,000 |
| Interest expense | 772,000 | 1,550,000 | 2,310,000 | 3,090,000 |
| Net interest income | 1,195,000 | 2,548,000 | 4,026,000 | 5,553,000 |
| Noninterest income | 71,000 | 158,000 | 251,000 | 327,000 |
| Noninterest expense | 1,067,000 | 2,121,000 | 3,214,000 | 4,420,000 |
| Provision for loan losses | 68,000 | 196,000 | 480,000 | 684,000 |
| Pretax income | 131,000 | 389,000 | 583,000 | 776,000 |
| Income tax | -1,000 | -4,000 | -142,000 | -241,000 |
| Net income | 132,000 | 393,000 | 725,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,101,000 | 15,581,000 | 16,890,000 | 18,145,000 |
| Total capital | 15,559,000 | 17,113,000 | 18,570,000 | 19,988,000 |
| Risk-weighted assets | 130,106,000 | 139,095,000 | 143,622,000 | 149,846,000 |