Call reports 2003
CENTIER BANK — 2003
What CENTIER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,276,443,000 | 1,318,445,000 | 1,325,945,000 | 1,364,274,000 |
| Total loans | 764,591,000 | 780,176,000 | 817,802,000 | 842,959,000 |
| Allowance for loan losses | 8,502,000 | 8,622,000 | 8,750,000 | 8,929,000 |
| Securities available for sale | 226,869,000 | 215,092,000 | 231,449,000 | 232,521,000 |
| Securities held to maturity | 112,990,000 | 137,519,000 | 149,875,000 | 152,937,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,029,580,000 | 1,065,261,000 | 1,085,054,000 | 1,099,590,000 |
| Interest-bearing deposits | 884,043,000 | 921,718,000 | 932,419,000 | 950,260,000 |
| Noninterest-bearing deposits | 145,537,000 | 143,543,000 | 152,635,000 | 149,330,000 |
| Equity capital | 104,737,000 | 108,180,000 | 111,904,000 | 116,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 16,912,000 | 33,440,000 | 49,675,000 | 65,984,000 |
| Interest expense | 5,621,000 | 11,236,000 | 16,528,000 | 21,517,000 |
| Net interest income | 11,291,000 | 22,204,000 | 33,147,000 | 44,467,000 |
| Noninterest income | 4,085,000 | 8,535,000 | 13,376,000 | 18,043,000 |
| Noninterest expense | 9,072,000 | 17,838,000 | 26,662,000 | 35,755,000 |
| Provision for loan losses | 300,000 | 450,000 | 575,000 | 800,000 |
| Pretax income | 6,562,000 | 13,009,000 | 19,844,000 | 26,513,000 |
| Income tax | 1,937,000 | 3,832,000 | 5,868,000 | 7,745,000 |
| Net income | 4,625,000 | 9,177,000 | 13,976,000 | 18,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,780,000 | 105,178,000 | 109,965,000 | 113,979,000 |
| Total capital | 110,282,000 | 113,800,000 | 118,715,000 | 122,908,000 |
| Risk-weighted assets | 882,036,000 | 898,245,000 | 919,964,000 | 947,632,000 |