Call reports 2020
CIERA BANK — 2020
What CIERA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 735,717,000 | 780,353,000 | 808,445,000 | 791,321,000 |
| Total loans | 508,160,000 | 539,730,000 | 529,847,000 | 533,861,000 |
| Allowance for loan losses | 8,354,000 | 8,448,000 | 8,584,000 | 8,581,000 |
| Securities available for sale | 56,726,000 | 60,668,000 | 57,944,000 | 62,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 553,099,000 | 630,391,000 | 657,928,000 | 661,129,000 |
| Interest-bearing deposits | 390,049,000 | 424,260,000 | 437,936,000 | 442,611,000 |
| Noninterest-bearing deposits | 163,050,000 | 206,131,000 | 219,992,000 | 218,518,000 |
| Equity capital | 76,314,000 | 82,778,000 | 82,650,000 | 82,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,112,000 | 17,105,000 | 24,937,000 | 32,293,000 |
| Interest expense | 1,588,000 | 3,285,000 | 4,734,000 | 6,130,000 |
| Net interest income | 6,524,000 | 13,820,000 | 20,203,000 | 26,163,000 |
| Noninterest income | 707,000 | 1,300,000 | 1,856,000 | 2,448,000 |
| Noninterest expense | 4,162,000 | 8,378,000 | 12,520,000 | 17,951,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,069,000 | 6,742,000 | 9,539,000 | 10,660,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,069,000 | 6,742,000 | 9,539,000 | 10,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,419,000 | 73,956,000 | 73,565,000 | 73,049,000 |
| Total capital | 78,052,000 | 81,298,000 | 80,748,000 | 80,457,000 |
| Risk-weighted assets | 609,983,000 | 586,296,000 | 573,313,000 | 591,471,000 |