Call reports 2018
CENTRIC BANK — 2018
What CENTRIC BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 609,567,000 | 680,535,000 | 715,205,000 | 702,890,000 |
| Total loans | 548,594,000 | 605,507,000 | 621,336,000 | 626,575,000 |
| Allowance for loan losses | 6,246,000 | 6,665,000 | 6,772,000 | 6,913,000 |
| Securities available for sale | 7,572,000 | 7,218,000 | 6,445,000 | 21,055,000 |
| Securities held to maturity | 6,568,000 | 6,044,000 | 6,020,000 | 6,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,065,000 | 556,719,000 | 595,923,000 | 587,989,000 |
| Interest-bearing deposits | 501,321,000 | 532,269,000 | 575,291,000 | 569,202,000 |
| Noninterest-bearing deposits | 22,744,000 | 24,450,000 | 20,632,000 | 18,787,000 |
| Equity capital | 57,648,000 | 77,371,000 | 79,967,000 | 82,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,759,000 | 14,544,000 | 23,387,000 | 32,565,000 |
| Interest expense | 1,101,000 | 2,590,000 | 4,514,000 | 6,616,000 |
| Net interest income | 5,658,000 | 11,954,000 | 18,873,000 | 25,949,000 |
| Noninterest income | 1,067,000 | 1,991,000 | 3,150,000 | 4,294,000 |
| Noninterest expense | 4,054,000 | 8,273,000 | 12,704,000 | 17,993,000 |
| Provision for loan losses | 435,000 | 870,000 | 1,305,000 | 1,430,000 |
| Pretax income | 2,236,000 | 4,802,000 | 8,014,000 | 10,820,000 |
| Income tax | 412,000 | 876,000 | 1,492,000 | 2,009,000 |
| Net income | 1,824,000 | 3,926,000 | 6,522,000 | 8,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,492,000 | 77,218,000 | 79,836,000 | 82,155,000 |
| Total capital | 63,883,000 | 84,040,000 | 86,777,000 | 89,218,000 |
| Risk-weighted assets | 546,992,000 | 612,233,000 | 629,496,000 | 636,035,000 |