Call reports 2021
CENTRIC BANK — 2021
What CENTRIC BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,122,476,000 | 1,110,359,000 | 1,111,239,000 | 983,163,000 |
| Total loans | 1,001,026,000 | 962,722,000 | 919,428,000 | 875,023,000 |
| Allowance for loan losses | 10,881,000 | 11,082,000 | 11,775,000 | 12,407,000 |
| Securities available for sale | 12,545,000 | 11,580,000 | 10,774,000 | 11,374,000 |
| Securities held to maturity | 29,052,000 | 30,201,000 | 29,929,000 | 29,896,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 948,068,000 | 945,372,000 | 937,343,000 | 815,467,000 |
| Interest-bearing deposits | 691,278,000 | 700,798,000 | 710,151,000 | 585,287,000 |
| Noninterest-bearing deposits | 256,790,000 | 244,574,000 | 227,192,000 | 230,180,000 |
| Equity capital | 103,232,000 | 107,232,000 | 106,841,000 | 110,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 11,795,000 | 23,569,000 | 35,246,000 | 47,490,000 |
| Interest expense | 1,292,000 | 2,458,000 | 3,526,000 | 4,551,000 |
| Net interest income | 10,503,000 | 21,111,000 | 31,720,000 | 42,939,000 |
| Noninterest income | 975,000 | 1,820,000 | 2,664,000 | 3,323,000 |
| Noninterest expense | 6,239,000 | 12,460,000 | 18,513,000 | 24,749,000 |
| Provision for loan losses | 450,000 | 900,000 | 6,992,000 | 7,596,000 |
| Pretax income | 4,789,000 | 9,571,000 | 8,879,000 | 13,928,000 |
| Income tax | 949,000 | 1,892,000 | 1,695,000 | 2,686,000 |
| Net income | 3,840,000 | 7,679,000 | 7,184,000 | 11,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,834,000 | 106,790,000 | 106,395,000 | 110,538,000 |
| Total capital | 113,889,000 | 118,059,000 | 117,909,000 | 121,810,000 |
| Risk-weighted assets | 887,517,000 | 915,794,000 | 920,629,000 | 900,395,000 |