Call reports 2016
CECIL BANK — 2016
What CECIL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 253,189,000 | 237,753,000 | 219,440,000 | 214,296,000 |
| Total loans | 114,321,000 | 108,573,000 | 104,396,000 | 96,082,000 |
| Allowance for loan losses | 3,501,000 | 2,112,000 | 1,609,000 | 1,389,000 |
| Securities available for sale | 56,035,000 | 43,245,000 | 16,710,000 | 41,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,724,000 | 176,907,000 | 159,103,000 | 155,370,000 |
| Interest-bearing deposits | 171,791,000 | 155,013,000 | 137,051,000 | 134,240,000 |
| Noninterest-bearing deposits | 20,933,000 | 21,894,000 | 22,052,000 | 21,130,000 |
| Equity capital | 5,893,000 | 6,391,000 | 5,911,000 | 4,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,036,000 | 4,116,000 | 5,855,000 | 7,648,000 |
| Interest expense | 658,000 | 1,253,000 | 1,795,000 | 2,337,000 |
| Net interest income | 1,378,000 | 2,863,000 | 4,060,000 | 5,311,000 |
| Noninterest income | 727,000 | 1,008,000 | 1,923,000 | 2,296,000 |
| Noninterest expense | 2,287,000 | 4,924,000 | 7,760,000 | 10,072,000 |
| Provision for loan losses | 230,000 | -635,000 | -1,295,000 | -1,565,000 |
| Pretax income | -412,000 | -263,000 | 3,000 | -415,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -412,000 | -263,000 | 3,000 | -415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,556,000 | 5,705,000 | 5,972,000 | 5,553,000 |
| Total capital | 7,543,000 | 7,614,000 | 7,635,000 | 6,972,000 |
| Risk-weighted assets | 157,395,000 | 152,450,000 | 144,332,000 | 134,900,000 |