Call reports 2006
CECIL BANK — 2006
What CECIL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 280,203,000 | 293,912,000 | 311,748,000 | 346,977,000 |
| Total loans | 249,124,000 | 264,486,000 | 281,197,000 | 312,299,000 |
| Allowance for loan losses | 1,782,000 | 1,767,000 | 1,895,000 | 2,217,000 |
| Securities available for sale | 2,191,000 | 2,203,000 | 2,240,000 | 2,257,000 |
| Securities held to maturity | 3,693,000 | 3,735,000 | 3,689,000 | 3,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,311,000 | 222,822,000 | 230,879,000 | 271,960,000 |
| Interest-bearing deposits | 201,735,000 | 203,335,000 | 211,509,000 | 252,832,000 |
| Noninterest-bearing deposits | 18,576,000 | 19,487,000 | 19,370,000 | 19,128,000 |
| Equity capital | 22,199,000 | 22,841,000 | 23,725,000 | 27,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,603,000 | 9,634,000 | 15,395,000 | 21,549,000 |
| Interest expense | 2,029,000 | 4,367,000 | 7,079,000 | 10,109,000 |
| Net interest income | 2,574,000 | 5,267,000 | 8,316,000 | 11,440,000 |
| Noninterest income | 298,000 | 611,000 | 975,000 | 1,355,000 |
| Noninterest expense | 1,914,000 | 3,735,000 | 5,652,000 | 7,789,000 |
| Provision for loan losses | 60,000 | 215,000 | 345,000 | 665,000 |
| Pretax income | 898,000 | 1,928,000 | 3,294,000 | 4,341,000 |
| Income tax | 334,000 | 717,000 | 1,212,000 | 1,558,000 |
| Net income | 564,000 | 1,211,000 | 2,082,000 | 2,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,852,000 | 20,477,000 | 21,359,000 | 25,050,000 |
| Total capital | 30,234,000 | 30,844,000 | 31,854,000 | 39,867,000 |
| Risk-weighted assets | 220,104,000 | 241,970,000 | 259,109,000 | 288,927,000 |
Machine access — free, no API key
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