Call reports 2007
CECIL BANK — 2007
What CECIL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 362,207,000 | 372,661,000 | 380,370,000 | 400,458,000 |
| Total loans | 327,773,000 | 332,711,000 | 344,841,000 | 360,010,000 |
| Allowance for loan losses | 2,414,000 | 2,599,000 | 2,779,000 | 3,109,000 |
| Securities available for sale | 2,282,000 | 2,506,000 | 2,494,000 | 2,470,000 |
| Securities held to maturity | 3,724,000 | 3,740,000 | 2,745,000 | 2,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,621,000 | 296,389,000 | 292,600,000 | 267,435,000 |
| Interest-bearing deposits | 264,737,000 | 276,450,000 | 272,685,000 | 249,269,000 |
| Noninterest-bearing deposits | 18,884,000 | 19,939,000 | 19,915,000 | 18,167,000 |
| Equity capital | 28,230,000 | 29,037,000 | 29,995,000 | 30,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,690,000 | 13,676,000 | 20,793,000 | 28,271,000 |
| Interest expense | 3,301,000 | 6,796,000 | 10,429,000 | 14,115,000 |
| Net interest income | 3,389,000 | 6,880,000 | 10,364,000 | 14,156,000 |
| Noninterest income | 310,000 | 702,000 | 1,091,000 | 1,523,000 |
| Noninterest expense | 2,008,000 | 4,364,000 | 6,528,000 | 9,071,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 934,000 |
| Pretax income | 1,496,000 | 2,828,000 | 4,342,000 | 5,674,000 |
| Income tax | 691,000 | 1,187,000 | 1,740,000 | 2,132,000 |
| Net income | 805,000 | 1,641,000 | 2,602,000 | 3,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,860,000 | 26,657,000 | 27,605,000 | 28,481,000 |
| Total capital | 40,874,000 | 41,856,000 | 42,984,000 | 44,190,000 |
| Risk-weighted assets | 302,867,000 | 312,145,000 | 321,335,000 | 338,600,000 |
Machine access — free, no API key
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