Call reports 2015
CENTIER BANK — 2015
What CENTIER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,782,699,000 | 2,861,976,000 | 2,918,697,000 | 3,128,427,000 |
| Total loans | 2,308,938,000 | 2,349,642,000 | 2,439,530,000 | 2,623,766,000 |
| Allowance for loan losses | 27,991,000 | 28,541,000 | 29,366,000 | 29,758,000 |
| Securities available for sale | 239,768,000 | 231,882,000 | 247,405,000 | 275,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,328,202,000 | 2,394,368,000 | 2,376,980,000 | 2,480,620,000 |
| Interest-bearing deposits | 1,977,595,000 | 2,004,998,000 | 1,986,084,000 | 2,047,648,000 |
| Noninterest-bearing deposits | 350,607,000 | 389,370,000 | 390,896,000 | 432,972,000 |
| Equity capital | 298,635,000 | 301,721,000 | 309,114,000 | 314,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 25,156,000 | 51,034,000 | 77,349,000 | 104,382,000 |
| Interest expense | 1,290,000 | 2,583,000 | 3,897,000 | 5,304,000 |
| Net interest income | 23,866,000 | 48,451,000 | 73,452,000 | 99,078,000 |
| Noninterest income | 8,653,000 | 18,177,000 | 31,288,000 | 41,925,000 |
| Noninterest expense | 20,058,000 | 41,321,000 | 63,788,000 | 85,594,000 |
| Provision for loan losses | 600,000 | 1,400,000 | 2,400,000 | 3,700,000 |
| Pretax income | 11,862,000 | 23,908,000 | 38,553,000 | 51,704,000 |
| Income tax | 4,468,000 | 8,997,000 | 14,554,000 | 19,500,000 |
| Net income | 7,394,000 | 14,911,000 | 23,999,000 | 32,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 297,389,000 | 301,386,000 | 307,693,000 | 313,294,000 |
| Total capital | 325,380,000 | 329,927,000 | 337,059,000 | 343,052,000 |
| Risk-weighted assets | 2,279,822,000 | 2,324,494,000 | 2,438,811,000 | 2,628,813,000 |