Call reports 2020
CENTRIC BANK — 2020
What CENTRIC BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 841,954,000 | 1,039,382,000 | 1,073,734,000 | 1,117,496,000 |
| Total loans | 694,690,000 | 922,649,000 | 948,478,000 | 966,380,000 |
| Allowance for loan losses | 9,118,000 | 9,795,000 | 10,771,000 | 10,487,000 |
| Securities available for sale | 25,796,000 | 21,478,000 | 19,038,000 | 12,599,000 |
| Securities held to maturity | 6,702,000 | 11,939,000 | 11,921,000 | 28,281,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 660,837,000 | 852,628,000 | 887,800,000 | 927,105,000 |
| Interest-bearing deposits | 634,697,000 | 815,808,000 | 845,345,000 | 886,792,000 |
| Noninterest-bearing deposits | 26,140,000 | 36,820,000 | 42,455,000 | 40,313,000 |
| Equity capital | 92,871,000 | 95,508,000 | 96,503,000 | 99,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 9,728,000 | 19,881,000 | 30,448,000 | 41,305,000 |
| Interest expense | 2,362,000 | 4,021,000 | 5,420,000 | 6,729,000 |
| Net interest income | 7,366,000 | 15,860,000 | 25,028,000 | 34,576,000 |
| Noninterest income | 702,000 | 1,383,000 | 2,218,000 | 3,157,000 |
| Noninterest expense | 5,102,000 | 10,211,000 | 15,902,000 | 22,501,000 |
| Provision for loan losses | 825,000 | 1,800,000 | 2,775,000 | 3,100,000 |
| Pretax income | 2,144,000 | 5,235,000 | 8,572,000 | 12,323,000 |
| Income tax | 395,000 | 986,000 | 1,633,000 | 2,371,000 |
| Net income | 1,749,000 | 4,249,000 | 6,939,000 | 9,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,216,000 | 94,775,000 | 95,789,000 | 98,889,000 |
| Total capital | 101,349,000 | 104,735,000 | 106,182,000 | 109,538,000 |
| Risk-weighted assets | 730,438,000 | 796,884,000 | 830,924,000 | 861,596,000 |