Call reports 2011
CIERA BANK — 2011
What CIERA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 221,979,000 | 234,753,000 | 238,196,000 | 244,883,000 |
| Total loans | 136,262,000 | 129,502,000 | 132,029,000 | 137,150,000 |
| Allowance for loan losses | 2,398,000 | 2,467,000 | 2,413,000 | 2,488,000 |
| Securities available for sale | 51,824,000 | 53,358,000 | 57,422,000 | 62,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,444,000 | 207,045,000 | 209,348,000 | 215,003,000 |
| Interest-bearing deposits | 153,304,000 | 164,174,000 | 161,847,000 | 166,028,000 |
| Noninterest-bearing deposits | 42,140,000 | 42,871,000 | 47,501,000 | 48,975,000 |
| Equity capital | 24,307,000 | 25,445,000 | 26,444,000 | 27,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,522,000 | 5,048,000 | 7,548,000 | 10,129,000 |
| Interest expense | 410,000 | 797,000 | 1,169,000 | 1,517,000 |
| Net interest income | 2,112,000 | 4,251,000 | 6,379,000 | 8,612,000 |
| Noninterest income | 528,000 | 1,036,000 | 1,262,000 | 1,718,000 |
| Noninterest expense | 1,521,000 | 3,037,000 | 4,557,000 | 6,092,000 |
| Provision for loan losses | 90,000 | 180,000 | 240,000 | 330,000 |
| Pretax income | 1,029,000 | 2,070,000 | 2,844,000 | 3,912,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,029,000 | 2,070,000 | 2,844,000 | 3,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,695,000 | 24,230,000 | 24,697,000 | 25,353,000 |
| Total capital | 25,595,000 | 26,049,000 | 26,552,000 | 27,285,000 |
| Risk-weighted assets | 151,532,000 | 144,907,000 | 147,885,000 | 154,025,000 |