Call reports 2014
CENTRIC BANK — 2014
What CENTRIC BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 304,520,000 | 316,873,000 | 316,699,000 | 311,863,000 |
| Total loans | 232,066,000 | 241,925,000 | 247,175,000 | 254,427,000 |
| Allowance for loan losses | 2,879,000 | 3,034,000 | 2,937,000 | 2,990,000 |
| Securities available for sale | 25,927,000 | 25,835,000 | 25,475,000 | 24,301,000 |
| Securities held to maturity | 3,486,000 | 3,471,000 | 3,464,000 | 3,458,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,705,000 | 289,541,000 | 283,921,000 | 276,776,000 |
| Interest-bearing deposits | 271,046,000 | 282,503,000 | 277,642,000 | 270,428,000 |
| Noninterest-bearing deposits | 6,659,000 | 7,038,000 | 6,279,000 | 6,348,000 |
| Equity capital | 24,471,000 | 25,009,000 | 25,668,000 | 28,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,987,000 | 6,032,000 | 9,128,000 | 12,305,000 |
| Interest expense | 506,000 | 1,055,000 | 1,581,000 | 2,085,000 |
| Net interest income | 2,481,000 | 4,977,000 | 7,547,000 | 10,220,000 |
| Noninterest income | 82,000 | 221,000 | 467,000 | 609,000 |
| Noninterest expense | 2,147,000 | 4,227,000 | 6,352,000 | 8,538,000 |
| Provision for loan losses | 159,000 | 289,000 | 331,000 | 401,000 |
| Pretax income | 261,000 | 686,000 | 1,335,000 | 1,893,000 |
| Income tax | 60,000 | 176,000 | 367,000 | 528,000 |
| Net income | 201,000 | 510,000 | 968,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,831,000 | 25,145,000 | 25,774,000 | 28,792,000 |
| Total capital | 27,699,000 | 28,070,000 | 28,744,000 | 31,789,000 |
| Risk-weighted assets | 229,327,000 | 233,848,000 | 237,560,000 | 239,660,000 |