Call reports 2012
CECIL BANK — 2012
What CECIL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 476,066,000 | 458,963,000 | 442,232,000 | 439,166,000 |
| Total loans | 337,978,000 | 324,190,000 | 314,373,000 | 306,620,000 |
| Allowance for loan losses | 13,133,000 | 10,908,000 | 9,731,000 | 10,298,000 |
| Securities available for sale | 27,664,000 | 26,525,000 | 29,205,000 | 33,504,000 |
| Securities held to maturity | 7,427,000 | 5,897,000 | 4,860,000 | 3,887,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,190,000 | 344,443,000 | 343,139,000 | 342,569,000 |
| Interest-bearing deposits | 327,346,000 | 319,373,000 | 319,860,000 | 319,126,000 |
| Noninterest-bearing deposits | 23,844,000 | 25,071,000 | 23,279,000 | 23,443,000 |
| Equity capital | 40,488,000 | 51,347,000 | 35,820,000 | 33,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,478,000 | 9,346,000 | 13,892,000 | 18,477,000 |
| Interest expense | 1,729,000 | 3,264,000 | 4,690,000 | 6,084,000 |
| Net interest income | 2,749,000 | 6,082,000 | 9,202,000 | 12,393,000 |
| Noninterest income | 1,484,000 | 2,218,000 | 2,604,000 | 2,808,000 |
| Noninterest expense | 3,460,000 | 7,841,000 | 15,170,000 | 19,590,000 |
| Provision for loan losses | 2,950,000 | 3,060,000 | 5,910,000 | 7,514,000 |
| Pretax income | -2,177,000 | -2,601,000 | -9,274,000 | -11,903,000 |
| Income tax | -894,000 | -1,084,000 | 7,869,000 | 7,895,000 |
| Net income | -1,283,000 | -1,517,000 | -17,143,000 | -19,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,486,000 | 42,014,000 | 33,778,000 | 31,123,000 |
| Total capital | 46,721,000 | 46,511,000 | 38,172,000 | 35,343,000 |
| Risk-weighted assets | 362,297,000 | 353,311,000 | 346,221,000 | 331,408,000 |