Call reports 2008
CENTIER BANK — 2008
What CENTIER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,819,170,000 | 1,817,531,000 | 1,840,978,000 | 1,959,803,000 |
| Total loans | 1,284,157,000 | 1,321,752,000 | 1,396,148,000 | 1,479,639,000 |
| Allowance for loan losses | 13,118,000 | 14,070,000 | 16,215,000 | 18,419,000 |
| Securities available for sale | 160,873,000 | 144,582,000 | 110,738,000 | 93,582,000 |
| Securities held to maturity | 215,472,000 | 215,168,000 | 219,740,000 | 212,492,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,586,419,000 | 1,589,687,000 | 1,591,729,000 | 1,686,474,000 |
| Interest-bearing deposits | 1,464,148,000 | 1,471,916,000 | 1,425,113,000 | 1,412,304,000 |
| Noninterest-bearing deposits | 122,271,000 | 117,771,000 | 166,616,000 | 274,170,000 |
| Equity capital | 135,867,000 | 125,559,000 | 97,008,000 | 126,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 25,771,000 | 50,428,000 | 75,396,000 | 101,382,000 |
| Interest expense | 11,013,000 | 20,381,000 | 29,406,000 | 38,350,000 |
| Net interest income | 14,758,000 | 30,047,000 | 45,990,000 | 63,032,000 |
| Noninterest income | 7,046,000 | 14,742,000 | 22,733,000 | 30,075,000 |
| Noninterest expense | 14,468,000 | 28,719,000 | 43,641,000 | 57,131,000 |
| Provision for loan losses | 800,000 | 2,400,000 | 4,900,000 | 7,500,000 |
| Pretax income | 6,967,000 | 14,103,000 | 9,616,000 | 784,000 |
| Income tax | 0 | 0 | -600,000 | -19,458,000 |
| Net income | 6,967,000 | 14,103,000 | 10,216,000 | 20,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 155,999,000 | 159,210,000 | 151,399,000 | 154,393,000 |
| Total capital | 169,117,000 | 173,280,000 | 167,614,000 | 172,812,000 |
| Risk-weighted assets | 1,357,085,000 | 1,393,313,000 | 1,435,091,000 | 1,675,320,000 |