Call reports 2011
CENTRIC BANK — 2011
What CENTRIC BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 208,503,000 | 215,804,000 | 229,281,000 | 253,093,000 |
| Total loans | 159,837,000 | 167,391,000 | 174,266,000 | 180,337,000 |
| Allowance for loan losses | 1,950,000 | 2,272,000 | 2,542,000 | 2,482,000 |
| Securities available for sale | 20,192,000 | 19,008,000 | 20,983,000 | 25,023,000 |
| Securities held to maturity | 1,028,000 | 1,021,000 | 914,000 | 931,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,137,000 | 191,888,000 | 203,512,000 | 223,796,000 |
| Interest-bearing deposits | 170,382,000 | 177,239,000 | 188,015,000 | 207,757,000 |
| Noninterest-bearing deposits | 14,755,000 | 14,649,000 | 15,497,000 | 16,039,000 |
| Equity capital | 18,801,000 | 19,379,000 | 21,060,000 | 21,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,401,000 | 4,922,000 | 7,548,000 | 10,265,000 |
| Interest expense | 724,000 | 1,461,000 | 2,204,000 | 2,972,000 |
| Net interest income | 1,677,000 | 3,461,000 | 5,344,000 | 7,293,000 |
| Noninterest income | 80,000 | 228,000 | 370,000 | 501,000 |
| Noninterest expense | 1,352,000 | 2,700,000 | 4,106,000 | 5,507,000 |
| Provision for loan losses | 268,000 | 613,000 | 886,000 | 1,098,000 |
| Pretax income | 137,000 | 376,000 | 661,000 | 1,128,000 |
| Income tax | -170,000 | -332,000 | -522,000 | -446,000 |
| Net income | 307,000 | 708,000 | 1,183,000 | 1,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,469,000 | 18,887,000 | 20,509,000 | 21,216,000 |
| Total capital | 20,467,000 | 21,001,000 | 22,648,000 | 23,478,000 |
| Risk-weighted assets | 160,460,000 | 168,951,000 | 170,681,000 | 180,662,000 |