Call reports 2013
CENTRIC BANK — 2013
What CENTRIC BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 303,442,000 | 311,103,000 | 305,915,000 | 304,259,000 |
| Total loans | 207,565,000 | 209,866,000 | 227,678,000 | 230,162,000 |
| Allowance for loan losses | 2,925,000 | 2,807,000 | 3,163,000 | 2,708,000 |
| Securities available for sale | 31,179,000 | 37,637,000 | 35,915,000 | 34,924,000 |
| Securities held to maturity | 911,000 | 891,000 | 865,000 | 798,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,883,000 | 282,112,000 | 279,186,000 | 267,929,000 |
| Interest-bearing deposits | 262,340,000 | 276,418,000 | 273,915,000 | 262,228,000 |
| Noninterest-bearing deposits | 11,543,000 | 5,694,000 | 5,271,000 | 5,701,000 |
| Equity capital | 24,695,000 | 24,229,000 | 24,077,000 | 23,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,895,000 | 5,743,000 | 8,682,000 | 11,723,000 |
| Interest expense | 647,000 | 1,265,000 | 1,855,000 | 2,391,000 |
| Net interest income | 2,248,000 | 4,478,000 | 6,827,000 | 9,332,000 |
| Noninterest income | 169,000 | 382,000 | 533,000 | 591,000 |
| Noninterest expense | 1,864,000 | 3,800,000 | 5,651,000 | 7,819,000 |
| Provision for loan losses | 346,000 | 676,000 | 1,024,000 | 1,354,000 |
| Pretax income | 207,000 | 384,000 | 685,000 | 728,000 |
| Income tax | 35,000 | 87,000 | 166,000 | 151,000 |
| Net income | 172,000 | 297,000 | 519,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,193,000 | 24,324,000 | 24,556,000 | 24,622,000 |
| Total capital | 26,773,000 | 26,945,000 | 27,321,000 | 27,370,000 |
| Risk-weighted assets | 206,011,000 | 209,433,000 | 220,730,000 | 229,376,000 |