Call reports 2013
CECIL BANK — 2013
What CECIL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 434,877,000 | 428,728,000 | 376,429,000 | 355,895,000 |
| Total loans | 297,425,000 | 283,219,000 | 245,775,000 | 238,023,000 |
| Allowance for loan losses | 9,040,000 | 7,689,000 | 8,919,000 | 11,770,000 |
| Securities available for sale | 36,022,000 | 44,893,000 | 44,421,000 | 42,344,000 |
| Securities held to maturity | 3,213,000 | 2,689,000 | 2,250,000 | 1,907,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,394,000 | 335,127,000 | 286,761,000 | 275,564,000 |
| Interest-bearing deposits | 316,311,000 | 310,005,000 | 263,564,000 | 254,549,000 |
| Noninterest-bearing deposits | 23,083,000 | 25,122,000 | 23,197,000 | 21,015,000 |
| Equity capital | 31,793,000 | 29,843,000 | 25,615,000 | 21,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,185,000 | 8,185,000 | 11,914,000 | 14,530,000 |
| Interest expense | 1,327,000 | 2,615,000 | 3,814,000 | 4,894,000 |
| Net interest income | 2,858,000 | 5,570,000 | 8,100,000 | 9,636,000 |
| Noninterest income | 331,000 | 860,000 | 1,080,000 | 1,630,000 |
| Noninterest expense | 3,682,000 | 7,138,000 | 11,096,000 | 15,369,000 |
| Provision for loan losses | 700,000 | 1,450,000 | 4,350,000 | 7,846,000 |
| Pretax income | -818,000 | -1,783,000 | -5,891,000 | -11,574,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -818,000 | -1,783,000 | -5,891,000 | -11,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,314,000 | 29,354,000 | 25,279,000 | 21,633,000 |
| Total capital | 34,362,000 | 33,339,000 | 28,784,000 | 24,978,000 |
| Risk-weighted assets | 318,582,000 | 314,433,000 | 274,717,000 | 258,916,000 |