Call reports 2017
CENTRIC BANK — 2017
What CENTRIC BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 509,210,000 | 523,329,000 | 531,986,000 | 554,768,000 |
| Total loans | 448,262,000 | 464,834,000 | 474,532,000 | 496,879,000 |
| Allowance for loan losses | 4,880,000 | 5,316,000 | 5,580,000 | 5,888,000 |
| Securities available for sale | 9,333,000 | 9,068,000 | 8,258,000 | 7,918,000 |
| Securities held to maturity | 7,021,000 | 7,002,000 | 6,557,000 | 6,536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,794,000 | 459,517,000 | 463,723,000 | 485,534,000 |
| Interest-bearing deposits | 413,483,000 | 437,091,000 | 444,665,000 | 464,622,000 |
| Noninterest-bearing deposits | 16,311,000 | 22,426,000 | 19,058,000 | 20,912,000 |
| Equity capital | 48,734,000 | 53,683,000 | 55,073,000 | 55,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,357,000 | 11,177,000 | 17,313,000 | 23,786,000 |
| Interest expense | 696,000 | 1,451,000 | 2,258,000 | 3,177,000 |
| Net interest income | 4,661,000 | 9,726,000 | 15,055,000 | 20,609,000 |
| Noninterest income | 539,000 | 1,529,000 | 2,166,000 | 2,985,000 |
| Noninterest expense | 3,500,000 | 7,196,000 | 10,956,000 | 14,738,000 |
| Provision for loan losses | 435,000 | 815,000 | 1,076,000 | 1,396,000 |
| Pretax income | 1,265,000 | 3,244,000 | 5,189,000 | 7,460,000 |
| Income tax | 361,000 | 952,000 | 1,520,000 | 2,995,000 |
| Net income | 904,000 | 2,292,000 | 3,669,000 | 4,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,542,000 | 53,448,000 | 54,845,000 | 55,657,000 |
| Total capital | 53,532,000 | 58,886,000 | 60,559,000 | 61,690,000 |
| Risk-weighted assets | 462,159,000 | 475,036,000 | 486,003,000 | 511,777,000 |