Call reports 2018
CIERA BANK — 2018
What CIERA BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 536,868,000 | 524,741,000 | 570,092,000 | 567,202,000 |
| Total loans | 385,215,000 | 407,141,000 | 437,693,000 | 450,486,000 |
| Allowance for loan losses | 8,320,000 | 8,195,000 | 8,587,000 | 9,585,000 |
| Securities available for sale | 50,144,000 | 54,192,000 | 55,164,000 | 55,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,320,000 | 446,041,000 | 468,005,000 | 481,301,000 |
| Interest-bearing deposits | 297,755,000 | 285,675,000 | 298,618,000 | 315,585,000 |
| Noninterest-bearing deposits | 161,565,000 | 160,366,000 | 169,387,000 | 165,716,000 |
| Equity capital | 72,857,000 | 72,337,000 | 72,653,000 | 70,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,130,000 | 12,363,000 | 19,488,000 | 26,665,000 |
| Interest expense | 565,000 | 1,155,000 | 1,849,000 | 2,855,000 |
| Net interest income | 5,565,000 | 11,208,000 | 17,639,000 | 23,810,000 |
| Noninterest income | 640,000 | 1,281,000 | 1,954,000 | 2,598,000 |
| Noninterest expense | 3,602,000 | 7,291,000 | 11,250,000 | 15,193,000 |
| Provision for loan losses | 50,000 | 120,000 | 495,000 | 4,407,000 |
| Pretax income | 2,553,000 | 5,078,000 | 7,848,000 | 6,808,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,553,000 | 5,078,000 | 7,848,000 | 6,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,927,000 | 66,431,000 | 67,256,000 | 64,084,000 |
| Total capital | 72,325,000 | 72,003,000 | 73,484,000 | 70,471,000 |
| Risk-weighted assets | 428,984,000 | 443,170,000 | 495,941,000 | 507,803,000 |