Call reports 2004
CENTIER BANK — 2004
What CENTIER 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 | 1,360,305,000 | 1,417,574,000 | 1,415,718,000 | 1,416,664,000 |
| Total loans | 851,766,000 | 882,007,000 | 892,513,000 | 901,757,000 |
| Allowance for loan losses | 9,137,000 | 9,146,000 | 9,239,000 | 9,287,000 |
| Securities available for sale | 222,050,000 | 221,147,000 | 200,521,000 | 194,531,000 |
| Securities held to maturity | 171,148,000 | 196,780,000 | 196,294,000 | 196,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,091,921,000 | 1,123,283,000 | 1,138,215,000 | 1,149,700,000 |
| Interest-bearing deposits | 939,457,000 | 961,532,000 | 973,729,000 | 988,614,000 |
| Noninterest-bearing deposits | 152,464,000 | 161,751,000 | 164,486,000 | 161,086,000 |
| Equity capital | 120,793,000 | 121,907,000 | 127,369,000 | 130,867,000 |
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 | 16,376,000 | 32,793,000 | 49,964,000 | 67,496,000 |
| Interest expense | 4,848,000 | 9,573,000 | 14,586,000 | 19,878,000 |
| Net interest income | 11,528,000 | 23,220,000 | 35,378,000 | 47,618,000 |
| Noninterest income | 4,945,000 | 9,557,000 | 14,343,000 | 19,011,000 |
| Noninterest expense | 9,646,000 | 19,510,000 | 29,719,000 | 39,843,000 |
| Provision for loan losses | 250,000 | 425,000 | 575,000 | 725,000 |
| Pretax income | 6,589,000 | 12,854,000 | 19,498,000 | 26,136,000 |
| Income tax | 1,780,000 | 3,405,000 | 5,229,000 | 7,010,000 |
| Net income | 4,809,000 | 9,449,000 | 14,269,000 | 19,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,910,000 | 121,670,000 | 125,506,000 | 129,382,000 |
| Total capital | 127,047,000 | 130,816,000 | 134,745,000 | 138,669,000 |
| Risk-weighted assets | 948,601,000 | 983,720,000 | 985,190,000 | 991,084,000 |