Call reports 2012
CENTRIC BANK — 2012
What CENTRIC BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 265,100,000 | 277,128,000 | 289,741,000 | 301,905,000 |
| Total loans | 195,135,000 | 203,077,000 | 202,155,000 | 209,568,000 |
| Allowance for loan losses | 2,554,000 | 2,617,000 | 2,672,000 | 2,918,000 |
| Securities available for sale | 23,484,000 | 22,449,000 | 24,054,000 | 26,661,000 |
| Securities held to maturity | 913,000 | 502,000 | 549,000 | 928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,724,000 | 248,579,000 | 259,771,000 | 271,787,000 |
| Interest-bearing deposits | 220,272,000 | 230,833,000 | 241,476,000 | 265,960,000 |
| Noninterest-bearing deposits | 17,452,000 | 17,746,000 | 18,295,000 | 5,827,000 |
| Equity capital | 21,989,000 | 21,860,000 | 22,217,000 | 24,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,817,000 | 5,673,000 | 8,554,000 | 11,397,000 |
| Interest expense | 773,000 | 1,524,000 | 2,279,000 | 3,009,000 |
| Net interest income | 2,044,000 | 4,149,000 | 6,275,000 | 8,388,000 |
| Noninterest income | 19,000 | 165,000 | 537,000 | 753,000 |
| Noninterest expense | 1,615,000 | 3,260,000 | 4,977,000 | 6,629,000 |
| Provision for loan losses | 187,000 | 613,000 | 927,000 | 1,353,000 |
| Pretax income | 261,000 | 317,000 | 915,000 | 1,148,000 |
| Income tax | 41,000 | 97,000 | 303,000 | 302,000 |
| Net income | 220,000 | 220,000 | 612,000 | 846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,452,000 | 21,470,000 | 21,877,000 | 24,015,000 |
| Total capital | 23,846,000 | 23,958,000 | 24,345,000 | 26,569,000 |
| Risk-weighted assets | 191,283,000 | 198,823,000 | 197,173,000 | 203,858,000 |