Call reports 2010
CIERA BANK — 2010
What CIERA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 215,786,000 | 221,413,000 | 219,396,000 | 225,292,000 |
| Total loans | 145,999,000 | 140,673,000 | 133,892,000 | 134,238,000 |
| Allowance for loan losses | 2,139,000 | 2,103,000 | 2,209,000 | 2,316,000 |
| Securities available for sale | 35,209,000 | 37,455,000 | 42,569,000 | 50,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,791,000 | 193,026,000 | 192,432,000 | 199,241,000 |
| Interest-bearing deposits | 147,536,000 | 154,627,000 | 154,905,000 | 161,085,000 |
| Noninterest-bearing deposits | 34,255,000 | 38,399,000 | 37,527,000 | 38,156,000 |
| Equity capital | 22,596,000 | 22,975,000 | 24,360,000 | 23,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,576,000 | 5,127,000 | 7,678,000 | 10,298,000 |
| Interest expense | 556,000 | 1,094,000 | 1,591,000 | 2,061,000 |
| Net interest income | 2,020,000 | 4,033,000 | 6,087,000 | 8,237,000 |
| Noninterest income | 449,000 | 878,000 | 1,363,000 | 1,864,000 |
| Noninterest expense | 1,511,000 | 3,074,000 | 4,620,000 | 6,309,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 868,000 | 1,657,000 | 2,560,000 | 3,432,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 868,000 | 1,657,000 | 2,560,000 | 3,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,747,000 | 21,868,000 | 22,549,000 | 23,346,000 |
| Total capital | 23,745,000 | 23,814,000 | 24,401,000 | 25,212,000 |
| Risk-weighted assets | 159,674,000 | 155,585,000 | 147,822,000 | 148,796,000 |