Call reports 2016
CIERA BANK — 2016
What CIERA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 507,225,000 | 509,899,000 | 522,438,000 | 510,182,000 |
| Total loans | 382,010,000 | 400,437,000 | 403,511,000 | 406,508,000 |
| Allowance for loan losses | 7,440,000 | 7,598,000 | 7,763,000 | 7,875,000 |
| Securities available for sale | 50,355,000 | 50,121,000 | 47,548,000 | 46,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,083,000 | 406,284,000 | 417,452,000 | 428,684,000 |
| Interest-bearing deposits | 257,271,000 | 262,474,000 | 273,410,000 | 284,527,000 |
| Noninterest-bearing deposits | 147,812,000 | 143,810,000 | 144,042,000 | 144,157,000 |
| Equity capital | 67,207,000 | 67,898,000 | 68,481,000 | 67,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,747,000 | 11,507,000 | 17,405,000 | 23,328,000 |
| Interest expense | 384,000 | 785,000 | 1,237,000 | 1,676,000 |
| Net interest income | 5,363,000 | 10,722,000 | 16,168,000 | 21,652,000 |
| Noninterest income | 609,000 | 1,297,000 | 2,014,000 | 2,765,000 |
| Noninterest expense | 3,374,000 | 6,680,000 | 10,008,000 | 13,427,000 |
| Provision for loan losses | 56,000 | 199,000 | 367,000 | 529,000 |
| Pretax income | 2,600,000 | 5,204,000 | 7,871,000 | 10,483,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,600,000 | 5,204,000 | 7,871,000 | 10,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,288,000 | 59,825,000 | 60,821,000 | 61,307,000 |
| Total capital | 64,514,000 | 65,411,000 | 66,442,000 | 66,880,000 |
| Risk-weighted assets | 415,944,000 | 444,939,000 | 447,615,000 | 443,568,000 |