Call reports 2010
CECIL BANK — 2010
What CECIL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 513,366,000 | 504,047,000 | 491,648,000 | 486,381,000 |
| Total loans | 434,431,000 | 424,653,000 | 405,104,000 | 380,119,000 |
| Allowance for loan losses | 14,310,000 | 14,308,000 | 13,449,000 | 15,077,000 |
| Securities available for sale | 1,736,000 | 1,749,000 | 1,783,000 | 2,159,000 |
| Securities held to maturity | 7,732,000 | 7,182,000 | 7,203,000 | 9,439,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,030,000 | 374,991,000 | 363,315,000 | 359,044,000 |
| Interest-bearing deposits | 363,283,000 | 350,559,000 | 338,055,000 | 334,516,000 |
| Noninterest-bearing deposits | 23,747,000 | 24,432,000 | 25,260,000 | 24,528,000 |
| Equity capital | 41,376,000 | 42,080,000 | 42,777,000 | 41,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,994,000 | 14,262,000 | 21,228,000 | 27,385,000 |
| Interest expense | 2,757,000 | 5,374,000 | 8,278,000 | 10,088,000 |
| Net interest income | 4,237,000 | 8,888,000 | 12,950,000 | 17,297,000 |
| Noninterest income | 408,000 | 994,000 | 1,479,000 | 1,999,000 |
| Noninterest expense | 2,639,000 | 5,384,000 | 7,878,000 | 12,092,000 |
| Provision for loan losses | 910,000 | 2,270,000 | 3,230,000 | 5,340,000 |
| Pretax income | 1,096,000 | 2,228,000 | 3,321,000 | 1,864,000 |
| Income tax | 431,000 | 867,000 | 1,285,000 | 683,000 |
| Net income | 665,000 | 1,361,000 | 2,036,000 | 1,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,812,000 | 40,314,000 | 40,547,000 | 38,236,000 |
| Total capital | 56,754,000 | 58,204,000 | 58,267,000 | 55,775,000 |
| Risk-weighted assets | 418,393,000 | 414,190,000 | 401,295,000 | 384,950,000 |
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