Call reports 2015
CIERA BANK — 2015
What CIERA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 496,439,000 | 502,808,000 | 502,961,000 | 514,878,000 |
| Total loans | 362,326,000 | 380,458,000 | 388,822,000 | 383,652,000 |
| Allowance for loan losses | 6,642,000 | 6,947,000 | 7,334,000 | 7,348,000 |
| Securities available for sale | 83,244,000 | 68,257,000 | 53,870,000 | 53,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,826,000 | 398,510,000 | 394,870,000 | 407,586,000 |
| Interest-bearing deposits | 262,089,000 | 258,049,000 | 250,954,000 | 259,121,000 |
| Noninterest-bearing deposits | 139,737,000 | 140,461,000 | 143,916,000 | 148,465,000 |
| Equity capital | 65,418,000 | 64,994,000 | 66,061,000 | 66,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,642,000 | 11,720,000 | 17,595,000 | 23,592,000 |
| Interest expense | 351,000 | 699,000 | 1,036,000 | 1,367,000 |
| Net interest income | 5,291,000 | 11,021,000 | 16,559,000 | 22,225,000 |
| Noninterest income | 625,000 | 1,189,000 | 1,742,000 | 2,171,000 |
| Noninterest expense | 3,305,000 | 6,814,000 | 10,281,000 | 13,961,000 |
| Provision for loan losses | 262,000 | 625,000 | 1,259,000 | 1,434,000 |
| Pretax income | 2,332,000 | 4,791,000 | 6,803,000 | 9,043,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,332,000 | 4,791,000 | 6,803,000 | 9,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,031,000 | 57,632,000 | 58,347,000 | 58,456,000 |
| Total capital | 61,989,000 | 62,902,000 | 63,608,000 | 63,813,000 |
| Risk-weighted assets | 394,026,000 | 419,966,000 | 418,789,000 | 426,598,000 |