Call reports 2014
CECIL BANK — 2014
What CECIL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 361,988,000 | 345,241,000 | 340,406,000 | 336,654,000 |
| Total loans | 229,594,000 | 219,078,000 | 203,685,000 | 191,791,000 |
| Allowance for loan losses | 11,730,000 | 11,097,000 | 8,443,000 | 9,803,000 |
| Securities available for sale | 59,607,000 | 61,942,000 | 73,029,000 | 75,542,000 |
| Securities held to maturity | 7,932,000 | 7,131,000 | 6,978,000 | 6,086,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,220,000 | 267,401,000 | 266,715,000 | 267,789,000 |
| Interest-bearing deposits | 260,792,000 | 245,780,000 | 247,039,000 | 247,461,000 |
| Noninterest-bearing deposits | 22,428,000 | 21,621,000 | 19,676,000 | 20,328,000 |
| Equity capital | 19,275,000 | 18,634,000 | 17,385,000 | 12,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,007,000 | 6,085,000 | 9,147,000 | 12,153,000 |
| Interest expense | 1,015,000 | 1,943,000 | 2,713,000 | 3,500,000 |
| Net interest income | 1,992,000 | 4,142,000 | 6,434,000 | 8,653,000 |
| Noninterest income | 49,000 | 767,000 | 897,000 | -4,614,000 |
| Noninterest expense | 4,229,000 | 7,752,000 | 11,183,000 | 12,514,000 |
| Provision for loan losses | 0 | 450,000 | 500,000 | 3,650,000 |
| Pretax income | -2,194,000 | -3,299,000 | -4,397,000 | -12,171,000 |
| Income tax | 14,000 | 14,000 | 102,000 | 103,000 |
| Net income | -2,208,000 | -3,313,000 | -4,499,000 | -12,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,425,000 | 18,673,000 | 17,530,000 | 11,614,000 |
| Total capital | 22,620,000 | 21,802,000 | 20,475,000 | 14,380,000 |
| Risk-weighted assets | 246,773,000 | 242,046,000 | 229,868,000 | 213,944,000 |
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