Call reports 2005
CENTIER BANK — 2005
What CENTIER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,489,662,000 | 1,507,509,000 | 1,518,581,000 | 1,531,636,000 |
| Total loans | 905,850,000 | 936,022,000 | 962,296,000 | 1,001,720,000 |
| Allowance for loan losses | 9,146,000 | 9,328,000 | 9,632,000 | 10,209,000 |
| Securities available for sale | 187,876,000 | 186,011,000 | 182,508,000 | 176,068,000 |
| Securities held to maturity | 211,387,000 | 208,254,000 | 200,252,000 | 193,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,221,778,000 | 1,248,066,000 | 1,265,852,000 | 1,283,865,000 |
| Interest-bearing deposits | 1,048,870,000 | 1,069,480,000 | 1,090,874,000 | 1,114,820,000 |
| Noninterest-bearing deposits | 172,908,000 | 178,586,000 | 174,978,000 | 169,045,000 |
| Equity capital | 133,614,000 | 137,643,000 | 141,656,000 | 145,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 17,791,000 | 36,690,000 | 56,493,000 | 77,476,000 |
| Interest expense | 5,677,000 | 11,844,000 | 18,403,000 | 25,683,000 |
| Net interest income | 12,114,000 | 24,846,000 | 38,090,000 | 51,793,000 |
| Noninterest income | 4,511,000 | 9,601,000 | 15,197,000 | 20,793,000 |
| Noninterest expense | 10,648,000 | 21,818,000 | 33,237,000 | 44,450,000 |
| Provision for loan losses | 150,000 | 350,000 | 675,000 | 1,300,000 |
| Pretax income | 5,910,000 | 12,362,000 | 19,458,000 | 26,967,000 |
| Income tax | 1,320,000 | 2,881,000 | 4,790,000 | 6,765,000 |
| Net income | 4,590,000 | 9,481,000 | 14,668,000 | 20,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 132,935,000 | 136,792,000 | 140,908,000 | 145,320,000 |
| Total capital | 142,081,000 | 146,120,000 | 150,540,000 | 155,529,000 |
| Risk-weighted assets | 1,020,323,000 | 1,044,034,000 | 1,057,023,000 | 1,104,088,000 |