Call reports 2004
CENTENNIAL BANK — 2004
What CENTENNIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,338,000 | 57,623,000 | 60,990,000 | 61,060,000 |
| Total loans | 3,872,000 | 4,032,000 | 3,366,000 | 3,267,000 |
| Allowance for loan losses | 68,000 | 64,000 | 63,000 | 42,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,296,000 | 5,294,000 | 4,295,000 | 3,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,751,000 | 53,935,000 | 57,095,000 | 57,109,000 |
| Interest-bearing deposits | 9,969,000 | 6,881,000 | 5,397,000 | 7,291,000 |
| Noninterest-bearing deposits | 41,782,000 | 47,054,000 | 51,698,000 | 49,818,000 |
| Equity capital | 3,507,000 | 3,548,000 | 3,685,000 | 3,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 156,000 | 314,000 | 529,000 | 803,000 |
| Interest expense | 13,000 | 26,000 | 34,000 | 42,000 |
| Net interest income | 143,000 | 288,000 | 495,000 | 761,000 |
| Noninterest income | 245,000 | 629,000 | 1,064,000 | 1,531,000 |
| Noninterest expense | 357,000 | 725,000 | 1,102,000 | 1,563,000 |
| Provision for loan losses | -6,000 | 5,000 | -33,000 | -22,000 |
| Pretax income | 37,000 | 187,000 | 490,000 | 751,000 |
| Income tax | 11,000 | 69,000 | 181,000 | 278,000 |
| Net income | 26,000 | 118,000 | 309,000 | 473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,507,000 | 3,548,000 | 3,685,000 | 3,799,000 |
| Total capital | 3,575,000 | 3,612,000 | 3,748,000 | 3,841,000 |
| Risk-weighted assets | 13,129,000 | 13,799,000 | 13,242,000 | 14,030,000 |
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