Call reports 2022
CENTRIC BANK — 2022
What CENTRIC BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,033,842,000 | 1,035,775,000 | 1,037,485,000 | 1,078,774,000 |
| Total loans | 886,609,000 | 904,292,000 | 934,815,000 | 976,777,000 |
| Allowance for loan losses | 12,808,000 | 13,172,000 | 13,970,000 | 14,713,000 |
| Securities available for sale | 13,465,000 | 12,082,000 | 11,449,000 | 10,994,000 |
| Securities held to maturity | 29,868,000 | 28,834,000 | 28,800,000 | 28,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 877,690,000 | 878,919,000 | 884,965,000 | 904,840,000 |
| Interest-bearing deposits | 630,569,000 | 631,639,000 | 638,343,000 | 680,968,000 |
| Noninterest-bearing deposits | 247,121,000 | 247,280,000 | 246,622,000 | 223,872,000 |
| Equity capital | 113,498,000 | 116,154,000 | 118,900,000 | 121,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 10,291,000 | 21,202,000 | 33,820,000 | 47,687,000 |
| Interest expense | 975,000 | 1,902,000 | 3,079,000 | 5,312,000 |
| Net interest income | 9,316,000 | 19,300,000 | 30,741,000 | 42,375,000 |
| Noninterest income | 835,000 | 1,743,000 | 2,663,000 | 3,086,000 |
| Noninterest expense | 6,056,000 | 12,527,000 | 19,534,000 | 27,998,000 |
| Provision for loan losses | 400,000 | 850,000 | 2,290,000 | 3,010,000 |
| Pretax income | 3,695,000 | 7,666,000 | 11,580,000 | 14,453,000 |
| Income tax | 693,000 | 1,506,000 | 2,168,000 | 2,660,000 |
| Net income | 3,002,000 | 6,160,000 | 9,412,000 | 11,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,654,000 | 116,898,000 | 119,709,000 | 122,143,000 |
| Total capital | 125,270,000 | 128,963,000 | 132,089,000 | 134,869,000 |
| Risk-weighted assets | 927,866,000 | 963,917,000 | 988,574,000 | 1,015,848,000 |