Call reports 2011
CECIL BANK — 2011
What CECIL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 481,612,000 | 470,905,000 | 468,392,000 | 462,969,000 |
| Total loans | 368,332,000 | 354,279,000 | 346,036,000 | 330,262,000 |
| Allowance for loan losses | 15,386,000 | 14,010,000 | 13,724,000 | 12,412,000 |
| Securities available for sale | 2,166,000 | 6,841,000 | 9,733,000 | 23,655,000 |
| Securities held to maturity | 12,958,000 | 18,551,000 | 15,078,000 | 9,745,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,192,000 | 343,592,000 | 343,502,000 | 339,928,000 |
| Interest-bearing deposits | 329,583,000 | 321,880,000 | 321,966,000 | 318,180,000 |
| Noninterest-bearing deposits | 22,609,000 | 21,712,000 | 21,536,000 | 21,748,000 |
| Equity capital | 42,086,000 | 39,334,000 | 38,592,000 | 37,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,886,000 | 11,356,000 | 16,546,000 | 21,267,000 |
| Interest expense | 2,114,000 | 3,985,000 | 5,826,000 | 7,604,000 |
| Net interest income | 3,772,000 | 7,371,000 | 10,720,000 | 13,663,000 |
| Noninterest income | 427,000 | 699,000 | 954,000 | 1,370,000 |
| Noninterest expense | 3,473,000 | 7,426,000 | 11,335,000 | 15,382,000 |
| Provision for loan losses | 500,000 | 5,000,000 | 5,958,000 | 6,958,000 |
| Pretax income | 226,000 | -4,356,000 | -5,619,000 | -7,307,000 |
| Income tax | 73,000 | -1,793,000 | -2,323,000 | -2,761,000 |
| Net income | 153,000 | -2,563,000 | -3,296,000 | -4,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,865,000 | 33,176,000 | 32,176,000 | 32,557,000 |
| Total capital | 57,277,000 | 50,502,000 | 48,768,000 | 49,718,000 |
| Risk-weighted assets | 374,428,000 | 368,834,000 | 365,204,000 | 357,037,000 |
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