Call reports 2004
CECIL BANK — 2004
What CECIL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 154,908,000 | 168,153,000 | 182,393,000 | 200,479,000 |
| Total loans | 134,765,000 | 146,875,000 | 159,400,000 | 175,027,000 |
| Allowance for loan losses | 852,000 | 944,000 | 994,000 | 1,189,000 |
| Securities available for sale | 2,318,000 | 2,259,000 | 2,256,000 | 2,257,000 |
| Securities held to maturity | 3,489,000 | 3,489,000 | 3,485,000 | 3,491,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,419,000 | 129,328,000 | 137,777,000 | 141,171,000 |
| Interest-bearing deposits | 111,922,000 | 119,361,000 | 126,312,000 | 127,813,000 |
| Noninterest-bearing deposits | 8,497,000 | 9,967,000 | 11,465,000 | 13,358,000 |
| Equity capital | 16,962,000 | 17,332,000 | 17,863,000 | 18,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,292,000 | 4,820,000 | 7,442,000 | 10,402,000 |
| Interest expense | 665,000 | 1,391,000 | 2,198,000 | 3,127,000 |
| Net interest income | 1,627,000 | 3,429,000 | 5,244,000 | 7,275,000 |
| Noninterest income | 202,000 | 418,000 | 775,000 | 1,029,000 |
| Noninterest expense | 1,135,000 | 2,471,000 | 3,794,000 | 5,434,000 |
| Provision for loan losses | 55,000 | 110,000 | 165,000 | 370,000 |
| Pretax income | 639,000 | 1,266,000 | 2,060,000 | 2,500,000 |
| Income tax | 224,000 | 460,000 | 728,000 | 959,000 |
| Net income | 415,000 | 806,000 | 1,332,000 | 1,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,652,000 | 15,028,000 | 15,255,000 | 15,276,000 |
| Total capital | 15,504,000 | 15,972,000 | 16,249,000 | 16,465,000 |
| Risk-weighted assets | 124,659,000 | 138,663,000 | 152,323,000 | 165,482,000 |
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