Call reports 2005
CECIL BANK — 2005
What CECIL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 210,017,000 | 233,694,000 | 251,253,000 | 267,229,000 |
| Total loans | 186,889,000 | 204,453,000 | 216,165,000 | 235,097,000 |
| Allowance for loan losses | 1,189,000 | 1,211,000 | 1,304,000 | 1,738,000 |
| Securities available for sale | 2,277,000 | 2,191,000 | 2,186,000 | 2,187,000 |
| Securities held to maturity | 3,477,000 | 3,487,000 | 3,701,000 | 3,735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,681,000 | 171,382,000 | 187,870,000 | 198,608,000 |
| Interest-bearing deposits | 146,979,000 | 154,632,000 | 168,822,000 | 181,105,000 |
| Noninterest-bearing deposits | 14,702,000 | 16,750,000 | 19,048,000 | 17,503,000 |
| Equity capital | 18,752,000 | 19,237,000 | 19,822,000 | 21,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,164,000 | 6,657,000 | 10,544,000 | 14,928,000 |
| Interest expense | 1,074,000 | 2,364,000 | 3,892,000 | 5,696,000 |
| Net interest income | 2,090,000 | 4,293,000 | 6,652,000 | 9,232,000 |
| Noninterest income | 219,000 | 519,000 | 830,000 | 1,114,000 |
| Noninterest expense | 1,376,000 | 2,929,000 | 4,575,000 | 6,448,000 |
| Provision for loan losses | 30,000 | 60,000 | 170,000 | 625,000 |
| Pretax income | 903,000 | 1,823,000 | 2,737,000 | 3,273,000 |
| Income tax | 334,000 | 671,000 | 990,000 | 1,204,000 |
| Net income | 569,000 | 1,152,000 | 1,747,000 | 2,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,430,000 | 16,884,000 | 17,453,000 | 19,257,000 |
| Total capital | 17,619,000 | 18,095,000 | 18,757,000 | 20,995,000 |
| Risk-weighted assets | 159,224,000 | 178,658,000 | 192,590,000 | 208,956,000 |
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