Call reports 2008
CECIL BANK — 2008
What CECIL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 418,244,000 | 434,312,000 | 455,443,000 | 491,242,000 |
| Total loans | 373,066,000 | 393,981,000 | 402,883,000 | 409,370,000 |
| Allowance for loan losses | 3,397,000 | 3,724,000 | 3,889,000 | 6,314,000 |
| Securities available for sale | 4,578,000 | 4,408,000 | 2,139,000 | 11,711,000 |
| Securities held to maturity | 248,000 | 250,000 | 248,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,211,000 | 286,143,000 | 337,928,000 | 365,798,000 |
| Interest-bearing deposits | 257,116,000 | 263,070,000 | 313,683,000 | 345,062,000 |
| Noninterest-bearing deposits | 22,095,000 | 23,073,000 | 24,245,000 | 20,736,000 |
| Equity capital | 31,646,000 | 32,252,000 | 33,097,000 | 43,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,184,000 | 14,444,000 | 21,883,000 | 29,485,000 |
| Interest expense | 3,499,000 | 6,932,000 | 10,297,000 | 14,072,000 |
| Net interest income | 3,685,000 | 7,512,000 | 11,586,000 | 15,413,000 |
| Noninterest income | 361,000 | 837,000 | 1,281,000 | 1,717,000 |
| Noninterest expense | 2,449,000 | 5,039,000 | 7,612,000 | 10,185,000 |
| Provision for loan losses | 325,000 | 600,000 | 930,000 | 3,405,000 |
| Pretax income | 1,272,000 | 2,710,000 | 4,219,000 | 2,922,000 |
| Income tax | 494,000 | 1,049,000 | 1,620,000 | 1,027,000 |
| Net income | 778,000 | 1,661,000 | 2,599,000 | 1,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,200,000 | 29,756,000 | 30,602,000 | 41,065,000 |
| Total capital | 45,197,000 | 46,080,000 | 47,091,000 | 58,692,000 |
| Risk-weighted assets | 344,748,000 | 375,483,000 | 385,422,000 | 400,879,000 |
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