Call reports 2009
CECIL BANK — 2009
What CECIL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 471,823,000 | 512,858,000 | 496,112,000 | 508,805,000 |
| Total loans | 414,399,000 | 432,961,000 | 435,061,000 | 439,702,000 |
| Allowance for loan losses | 8,357,000 | 7,726,000 | 14,071,000 | 14,351,000 |
| Securities available for sale | 1,617,000 | 1,669,000 | 1,729,000 | 1,714,000 |
| Securities held to maturity | 250,000 | 250,000 | 500,000 | 4,649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,941,000 | 383,500,000 | 371,868,000 | 382,655,000 |
| Interest-bearing deposits | 324,646,000 | 361,544,000 | 349,194,000 | 359,313,000 |
| Noninterest-bearing deposits | 22,295,000 | 21,956,000 | 22,674,000 | 23,342,000 |
| Equity capital | 41,956,000 | 43,097,000 | 40,929,000 | 40,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,332,000 | 15,071,000 | 22,824,000 | 30,365,000 |
| Interest expense | 3,391,000 | 6,285,000 | 9,318,000 | 12,182,000 |
| Net interest income | 3,941,000 | 8,786,000 | 13,506,000 | 18,183,000 |
| Noninterest income | 262,000 | 820,000 | 1,519,000 | 2,094,000 |
| Noninterest expense | 2,583,000 | 5,752,000 | 8,405,000 | 13,328,000 |
| Provision for loan losses | 3,460,000 | 3,820,000 | 10,280,000 | 10,640,000 |
| Pretax income | -1,840,000 | 34,000 | -3,660,000 | -3,691,000 |
| Income tax | -729,000 | 37,000 | -1,451,000 | -1,256,000 |
| Net income | -1,111,000 | -3,000 | -2,209,000 | -2,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,959,000 | 40,209,000 | 37,841,000 | 35,461,000 |
| Total capital | 56,582,000 | 58,163,000 | 55,730,000 | 53,474,000 |
| Risk-weighted assets | 398,530,000 | 425,962,000 | 414,461,000 | 424,083,000 |
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