Call reports 2003
CECIL BANK — 2003
What CECIL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 128,498,000 | 134,222,000 | 137,872,000 | 150,122,000 |
| Total loans | 103,770,000 | 113,670,000 | 116,021,000 | 127,967,000 |
| Allowance for loan losses | 632,000 | 710,000 | 762,000 | 786,000 |
| Securities available for sale | 11,018,000 | 6,290,000 | 4,289,000 | 2,274,000 |
| Securities held to maturity | 3,497,000 | 3,500,000 | 3,500,000 | 3,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,351,000 | 107,213,000 | 111,356,000 | 118,767,000 |
| Interest-bearing deposits | 95,310,000 | 99,289,000 | 104,022,000 | 109,064,000 |
| Noninterest-bearing deposits | 7,041,000 | 7,924,000 | 7,334,000 | 9,703,000 |
| Equity capital | 15,618,000 | 15,966,000 | 16,325,000 | 16,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,030,000 | 4,101,000 | 6,371,000 | 8,377,000 |
| Interest expense | 678,000 | 1,347,000 | 2,010,000 | 2,653,000 |
| Net interest income | 1,352,000 | 2,754,000 | 4,361,000 | 5,724,000 |
| Noninterest income | 148,000 | 350,000 | 516,000 | 757,000 |
| Noninterest expense | 948,000 | 1,904,000 | 3,010,000 | 4,243,000 |
| Provision for loan losses | 55,000 | 110,000 | 165,000 | 220,000 |
| Pretax income | 495,000 | 1,080,000 | 1,660,000 | 2,003,000 |
| Income tax | 197,000 | 426,000 | 648,000 | 747,000 |
| Net income | 298,000 | 654,000 | 1,012,000 | 1,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,303,000 | 13,631,000 | 13,991,000 | 14,246,000 |
| Total capital | 13,935,000 | 14,341,000 | 14,753,000 | 15,032,000 |
| Risk-weighted assets | 79,196,000 | 105,877,000 | 106,927,000 | 117,926,000 |
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