Call reports 2014
CIERA BANK — 2014
What CIERA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 495,513,000 | 484,971,000 | 483,704,000 | 493,978,000 |
| Total loans | 313,888,000 | 332,399,000 | 343,422,000 | 346,170,000 |
| Allowance for loan losses | 5,744,000 | 5,932,000 | 6,153,000 | 6,376,000 |
| Securities available for sale | 90,058,000 | 94,696,000 | 90,254,000 | 88,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,445,000 | 418,398,000 | 416,283,000 | 426,418,000 |
| Interest-bearing deposits | 285,548,000 | 276,878,000 | 267,321,000 | 266,375,000 |
| Noninterest-bearing deposits | 144,897,000 | 141,520,000 | 148,962,000 | 160,043,000 |
| Equity capital | 61,825,000 | 62,774,000 | 63,062,000 | 63,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,376,000 | 10,932,000 | 16,623,000 | 22,221,000 |
| Interest expense | 432,000 | 841,000 | 1,233,000 | 1,604,000 |
| Net interest income | 4,944,000 | 10,091,000 | 15,390,000 | 20,617,000 |
| Noninterest income | 646,000 | 1,289,000 | 1,981,000 | 2,678,000 |
| Noninterest expense | 3,292,000 | 6,478,000 | 9,613,000 | 12,901,000 |
| Provision for loan losses | 182,000 | 428,000 | 671,000 | 875,000 |
| Pretax income | 2,116,000 | 4,474,000 | 7,076,000 | 9,489,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,116,000 | 4,474,000 | 7,076,000 | 9,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,303,000 | 54,834,000 | 54,956,000 | 55,938,000 |
| Total capital | 58,742,000 | 59,430,000 | 59,687,000 | 60,712,000 |
| Risk-weighted assets | 353,796,000 | 366,966,000 | 377,067,000 | 380,365,000 |