Call reports 2022
CIERA BANK — 2022
What CIERA BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 867,059,000 | 868,252,000 | 854,724,000 | 804,412,000 |
| Total loans | 557,633,000 | 591,185,000 | 598,848,000 | 612,698,000 |
| Allowance for loan losses | 10,864,000 | 10,865,000 | 10,886,000 | 10,882,000 |
| Securities available for sale | 69,293,000 | 63,999,000 | 63,003,000 | 68,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 784,550,000 | 786,277,000 | 769,650,000 | 714,061,000 |
| Interest-bearing deposits | 487,708,000 | 480,366,000 | 459,356,000 | 441,770,000 |
| Noninterest-bearing deposits | 296,842,000 | 305,911,000 | 310,294,000 | 272,291,000 |
| Equity capital | 77,038,000 | 75,475,000 | 74,018,000 | 80,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 7,626,000 | 15,627,000 | 24,997,000 | 35,589,000 |
| Interest expense | 751,000 | 1,474,000 | 2,296,000 | 3,793,000 |
| Net interest income | 6,875,000 | 14,153,000 | 22,701,000 | 31,796,000 |
| Noninterest income | 621,000 | 1,552,000 | 2,300,000 | 3,230,000 |
| Noninterest expense | 4,462,000 | 9,109,000 | 14,058,000 | 19,495,000 |
| Provision for loan losses | 7,735,000 | 7,735,000 | 7,735,000 | 7,735,000 |
| Pretax income | -4,701,000 | -1,139,000 | 3,229,000 | 7,817,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -4,701,000 | -1,139,000 | 3,229,000 | 7,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,291,000 | 76,854,000 | 79,480,000 | 82,729,000 |
| Total capital | 81,697,000 | 85,723,000 | 88,381,000 | 91,673,000 |
| Risk-weighted assets | 670,046,000 | 707,571,000 | 710,170,000 | 713,649,000 |