Call reports 2009
CIERA BANK — 2009
What CIERA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 224,270,000 | 214,682,000 | 211,543,000 | 218,594,000 |
| Total loans | 157,807,000 | 157,057,000 | 154,159,000 | 151,136,000 |
| Allowance for loan losses | 2,095,000 | 2,021,000 | 2,011,000 | 2,087,000 |
| Securities available for sale | 36,795,000 | 36,091,000 | 38,091,000 | 36,180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,751,000 | 181,603,000 | 179,218,000 | 184,938,000 |
| Interest-bearing deposits | 149,437,000 | 145,513,000 | 145,650,000 | 151,178,000 |
| Noninterest-bearing deposits | 37,314,000 | 36,090,000 | 33,568,000 | 33,760,000 |
| Equity capital | 17,644,000 | 18,048,000 | 20,355,000 | 22,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,840,000 | 5,694,000 | 8,516,000 | 11,203,000 |
| Interest expense | 856,000 | 1,557,000 | 2,180,000 | 2,777,000 |
| Net interest income | 1,984,000 | 4,137,000 | 6,336,000 | 8,426,000 |
| Noninterest income | 501,000 | 979,000 | 1,480,000 | 1,978,000 |
| Noninterest expense | 1,522,000 | 3,180,000 | 4,753,000 | 6,099,000 |
| Provision for loan losses | 553,000 | 553,000 | 593,000 | 803,000 |
| Pretax income | 410,000 | 1,383,000 | 2,470,000 | 3,502,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 410,000 | 1,383,000 | 2,470,000 | 3,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,285,000 | 17,660,000 | 18,668,000 | 21,126,000 |
| Total capital | 19,380,000 | 19,681,000 | 20,679,000 | 23,188,000 |
| Risk-weighted assets | 172,444,000 | 170,194,000 | 167,350,000 | 164,923,000 |
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