Call reports 2015
CECIL BANK — 2015
What CECIL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 320,283,000 | 301,829,000 | 283,041,000 | 270,626,000 |
| Total loans | 182,306,000 | 150,169,000 | 135,459,000 | 120,926,000 |
| Allowance for loan losses | 10,325,000 | 7,519,000 | 7,649,000 | 3,729,000 |
| Securities available for sale | 70,806,000 | 71,246,000 | 65,996,000 | 59,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,461,000 | 234,138,000 | 219,962,000 | 209,819,000 |
| Interest-bearing deposits | 232,368,000 | 213,351,000 | 197,740,000 | 189,170,000 |
| Noninterest-bearing deposits | 21,093,000 | 20,787,000 | 22,222,000 | 20,649,000 |
| Equity capital | 11,451,000 | 9,332,000 | 7,670,000 | 5,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,295,000 | 5,387,000 | 7,875,000 | 9,871,000 |
| Interest expense | 767,000 | 1,491,000 | 2,190,000 | 2,862,000 |
| Net interest income | 1,528,000 | 3,896,000 | 5,685,000 | 7,009,000 |
| Noninterest income | 764,000 | 242,000 | 458,000 | 641,000 |
| Noninterest expense | 3,179,000 | 6,410,000 | 9,862,000 | 12,937,000 |
| Provision for loan losses | 800,000 | 1,200,000 | 1,450,000 | 1,494,000 |
| Pretax income | -1,386,000 | -3,171,000 | -4,868,000 | -6,480,000 |
| Income tax | 0 | 0 | 166,000 | 166,000 |
| Net income | -1,386,000 | -3,171,000 | -5,034,000 | -6,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,227,000 | 9,444,000 | 7,580,000 | 5,967,000 |
| Total capital | 13,146,000 | 11,862,000 | 9,829,000 | 8,041,000 |
| Risk-weighted assets | 226,371,000 | 188,156,000 | 174,331,000 | 164,178,000 |