Call reports 2008
CIERA BANK — 2008
What CIERA 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 | 191,750,000 | 205,537,000 | 220,431,000 | 220,665,000 |
| Total loans | 134,541,000 | 144,798,000 | 154,336,000 | 153,642,000 |
| Allowance for loan losses | 1,412,000 | 1,470,000 | 1,543,000 | 1,600,000 |
| Securities available for sale | 38,103,000 | 34,530,000 | 33,760,000 | 37,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,001,000 | 161,797,000 | 178,315,000 | 182,930,000 |
| Interest-bearing deposits | 126,081,000 | 122,578,000 | 136,155,000 | 145,127,000 |
| Noninterest-bearing deposits | 39,920,000 | 39,219,000 | 42,160,000 | 37,803,000 |
| Equity capital | 16,597,000 | 16,262,000 | 15,588,000 | 17,527,000 |
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 | 3,052,000 | 6,188,000 | 9,382,000 | 12,233,000 |
| Interest expense | 1,121,000 | 2,125,000 | 3,128,000 | 4,161,000 |
| Net interest income | 1,931,000 | 4,063,000 | 6,254,000 | 8,072,000 |
| Noninterest income | 589,000 | 1,094,000 | 1,746,000 | 2,350,000 |
| Noninterest expense | 1,424,000 | 2,841,000 | 4,419,000 | 5,969,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 976,000 | 2,076,000 | 3,221,000 | 3,984,000 |
| Income tax | 0 | 5,000 | 9,000 | 15,000 |
| Net income | 976,000 | 2,071,000 | 3,212,000 | 3,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,133,000 | 16,381,000 | 16,610,000 | 17,380,000 |
| Total capital | 17,545,000 | 17,851,000 | 18,153,000 | 18,980,000 |
| Risk-weighted assets | 153,573,000 | 165,923,000 | 176,537,000 | 170,584,000 |
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