Call reports 2013
CIERA BANK — 2013
What CIERA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 257,938,000 | 250,260,000 | 258,484,000 | 502,076,000 |
| Total loans | 145,300,000 | 144,335,000 | 146,469,000 | 311,978,000 |
| Allowance for loan losses | 2,754,000 | 2,863,000 | 2,663,000 | 5,565,000 |
| Securities available for sale | 71,565,000 | 68,562,000 | 66,159,000 | 85,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,010,000 | 220,007,000 | 227,598,000 | 438,720,000 |
| Interest-bearing deposits | 144,653,000 | 142,459,000 | 138,955,000 | 293,408,000 |
| Noninterest-bearing deposits | 81,357,000 | 77,548,000 | 88,643,000 | 145,312,000 |
| Equity capital | 29,771,000 | 27,923,000 | 28,362,000 | 60,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,490,000 | 4,860,000 | 7,282,000 | 20,907,000 |
| Interest expense | 205,000 | 391,000 | 557,000 | 2,121,000 |
| Net interest income | 2,285,000 | 4,469,000 | 6,725,000 | 18,786,000 |
| Noninterest income | 484,000 | 1,093,000 | 1,609,000 | 2,432,000 |
| Noninterest expense | 1,526,000 | 3,069,000 | 4,660,000 | 11,925,000 |
| Provision for loan losses | 120,000 | 244,000 | 364,000 | 866,000 |
| Pretax income | 1,125,000 | 2,252,000 | 3,313,000 | 8,430,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,125,000 | 2,252,000 | 3,313,000 | 8,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,964,000 | 27,490,000 | 27,889,000 | 53,621,000 |
| Total capital | 30,096,000 | 29,603,000 | 30,005,000 | 58,042,000 |
| Risk-weighted assets | 169,910,000 | 168,253,000 | 168,704,000 | 352,531,000 |