Call reports 2012
CIERA BANK — 2012
What CIERA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 245,236,000 | 255,471,000 | 256,750,000 | 264,872,000 |
| Total loans | 144,806,000 | 143,601,000 | 142,651,000 | 148,146,000 |
| Allowance for loan losses | 2,439,000 | 2,562,000 | 2,539,000 | 2,643,000 |
| Securities available for sale | 64,765,000 | 64,309,000 | 69,369,000 | 70,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,011,000 | 224,849,000 | 225,015,000 | 233,693,000 |
| Interest-bearing deposits | 162,366,000 | 163,487,000 | 165,938,000 | 146,557,000 |
| Noninterest-bearing deposits | 52,645,000 | 61,362,000 | 59,077,000 | 87,136,000 |
| Equity capital | 28,072,000 | 28,216,000 | 29,113,000 | 28,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,648,000 | 5,223,000 | 7,916,000 | 10,567,000 |
| Interest expense | 331,000 | 649,000 | 938,000 | 1,173,000 |
| Net interest income | 2,317,000 | 4,574,000 | 6,978,000 | 9,394,000 |
| Noninterest income | 455,000 | 994,000 | 1,478,000 | 1,961,000 |
| Noninterest expense | 1,542,000 | 3,073,000 | 4,646,000 | 6,224,000 |
| Provision for loan losses | 90,000 | 210,000 | 288,000 | 423,000 |
| Pretax income | 1,159,000 | 2,304,000 | 3,541,000 | 4,728,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,159,000 | 2,304,000 | 3,541,000 | 4,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,826,000 | 26,094,000 | 26,574,000 | 26,839,000 |
| Total capital | 27,866,000 | 28,129,000 | 28,657,000 | 29,001,000 |
| Risk-weighted assets | 162,826,000 | 162,307,000 | 166,475,000 | 172,488,000 |