Call reports 2015
CENTRIC BANK — 2015
What CENTRIC BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 325,590,000 | 328,747,000 | 349,209,000 | 372,923,000 |
| Total loans | 266,058,000 | 282,051,000 | 288,496,000 | 315,140,000 |
| Allowance for loan losses | 2,890,000 | 3,014,000 | 3,092,000 | 3,274,000 |
| Securities available for sale | 22,700,000 | 21,519,000 | 17,325,000 | 15,715,000 |
| Securities held to maturity | 3,450,000 | 3,438,000 | 3,426,000 | 6,419,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,058,000 | 292,618,000 | 312,747,000 | 312,685,000 |
| Interest-bearing deposits | 280,682,000 | 284,157,000 | 287,507,000 | 289,167,000 |
| Noninterest-bearing deposits | 8,376,000 | 8,461,000 | 25,240,000 | 23,518,000 |
| Equity capital | 30,970,000 | 31,321,000 | 32,071,000 | 40,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,134,000 | 6,377,000 | 9,820,000 | 13,449,000 |
| Interest expense | 522,000 | 1,054,000 | 1,608,000 | 2,135,000 |
| Net interest income | 2,612,000 | 5,323,000 | 8,212,000 | 11,314,000 |
| Noninterest income | 221,000 | 975,000 | 1,660,000 | 2,235,000 |
| Noninterest expense | 2,276,000 | 4,825,000 | 7,411,000 | 10,086,000 |
| Provision for loan losses | 90,000 | 316,000 | 496,000 | 676,000 |
| Pretax income | 467,000 | 1,157,000 | 1,964,000 | 2,786,000 |
| Income tax | 128,000 | 333,000 | 559,000 | 822,000 |
| Net income | 339,000 | 824,000 | 1,405,000 | 1,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,806,000 | 31,297,000 | 31,885,000 | 40,689,000 |
| Total capital | 33,769,000 | 34,393,000 | 35,058,000 | 44,036,000 |
| Risk-weighted assets | 273,915,000 | 284,336,000 | 291,642,000 | 319,624,000 |