Call reports 2019
CIERA BANK — 2019
What CIERA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 586,303,000 | 595,688,000 | 632,976,000 | 631,956,000 |
| Total loans | 457,563,000 | 442,123,000 | 451,111,000 | 490,258,000 |
| Allowance for loan losses | 9,626,000 | 8,148,000 | 8,209,000 | 8,342,000 |
| Securities available for sale | 54,253,000 | 54,955,000 | 60,869,000 | 61,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 493,905,000 | 509,176,000 | 548,769,000 | 548,579,000 |
| Interest-bearing deposits | 326,362,000 | 333,916,000 | 365,709,000 | 382,274,000 |
| Noninterest-bearing deposits | 167,543,000 | 175,260,000 | 183,060,000 | 166,305,000 |
| Equity capital | 71,534,000 | 74,607,000 | 75,953,000 | 76,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,011,000 | 14,698,000 | 22,283,000 | 30,435,000 |
| Interest expense | 1,060,000 | 2,302,000 | 3,755,000 | 5,353,000 |
| Net interest income | 5,951,000 | 12,396,000 | 18,528,000 | 25,082,000 |
| Noninterest income | 618,000 | 1,195,000 | 1,685,000 | 2,282,000 |
| Noninterest expense | 3,949,000 | 8,007,000 | 11,844,000 | 15,869,000 |
| Provision for loan losses | 0 | -1,358,000 | -1,358,000 | -1,338,000 |
| Pretax income | 2,620,000 | 6,953,000 | 9,785,000 | 12,891,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,620,000 | 6,953,000 | 9,785,000 | 12,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,894,000 | 67,359,000 | 68,210,000 | 69,348,000 |
| Total capital | 71,395,000 | 73,946,000 | 75,043,000 | 76,611,000 |
| Risk-weighted assets | 516,960,000 | 525,434,000 | 545,306,000 | 579,987,000 |