Call reports 2024
CIERA BANK — 2024
What CIERA BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 932,167,000 | 903,223,000 | 941,691,000 | 914,612,000 |
| Total loans | 594,480,000 | 615,309,000 | 632,305,000 | 635,423,000 |
| Allowance for loan losses | 9,315,000 | 9,886,000 | 10,445,000 | 10,367,000 |
| Securities available for sale | 58,169,000 | 57,807,000 | 58,419,000 | 56,419,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 787,183,000 | 776,221,000 | 807,822,000 | 801,881,000 |
| Interest-bearing deposits | 547,649,000 | 551,505,000 | 579,471,000 | 591,796,000 |
| Noninterest-bearing deposits | 239,534,000 | 224,716,000 | 228,351,000 | 210,085,000 |
| Equity capital | 91,164,000 | 92,367,000 | 98,076,000 | 98,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 13,801,000 | 28,618,000 | 43,622,000 | 58,377,000 |
| Interest expense | 5,927,000 | 11,938,000 | 18,120,000 | 23,901,000 |
| Net interest income | 7,874,000 | 16,680,000 | 25,502,000 | 34,476,000 |
| Noninterest income | 779,000 | 1,536,000 | 2,323,000 | 3,094,000 |
| Noninterest expense | 5,677,000 | 11,274,000 | 16,738,000 | 22,500,000 |
| Provision for loan losses | 12,000 | 587,000 | -1,860,000 | -1,933,000 |
| Pretax income | 2,843,000 | 6,118,000 | 12,363,000 | 16,661,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,843,000 | 6,118,000 | 12,363,000 | 16,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,813,000 | 93,228,000 | 97,679,000 | 100,204,000 |
| Total capital | 100,201,000 | 101,806,000 | 106,664,000 | 109,206,000 |
| Risk-weighted assets | 668,173,000 | 682,852,000 | 714,921,000 | 716,602,000 |