Call reports 2023
CIERA BANK — 2023
What CIERA BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 845,296,000 | 895,635,000 | 925,832,000 | 900,724,000 |
| Total loans | 617,394,000 | 605,757,000 | 598,154,000 | 589,547,000 |
| Allowance for loan losses | 10,319,000 | 9,420,000 | 9,293,000 | 9,243,000 |
| Securities available for sale | 61,023,000 | 58,236,000 | 53,791,000 | 58,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 710,958,000 | 697,175,000 | 745,992,000 | 756,223,000 |
| Interest-bearing deposits | 445,867,000 | 443,705,000 | 492,035,000 | 518,771,000 |
| Noninterest-bearing deposits | 265,091,000 | 253,470,000 | 253,957,000 | 237,452,000 |
| Equity capital | 81,921,000 | 84,525,000 | 84,895,000 | 90,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,814,000 | 23,883,000 | 37,465,000 | 51,799,000 |
| Interest expense | 2,755,000 | 7,851,000 | 13,610,000 | 19,398,000 |
| Net interest income | 8,059,000 | 16,032,000 | 23,855,000 | 32,401,000 |
| Noninterest income | 1,007,000 | 1,801,000 | 2,555,000 | 3,309,000 |
| Noninterest expense | 5,289,000 | 10,569,000 | 15,972,000 | 21,547,000 |
| Provision for loan losses | -190,000 | -1,138,000 | -3,799,000 | -3,847,000 |
| Pretax income | 4,004,000 | 8,786,000 | 14,752,000 | 18,249,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,004,000 | 8,786,000 | 14,752,000 | 18,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,245,000 | 86,210,000 | 90,378,000 | 90,831,000 |
| Total capital | 92,032,000 | 94,736,000 | 98,819,000 | 99,198,000 |
| Risk-weighted assets | 699,405,000 | 679,549,000 | 672,856,000 | 666,677,000 |