Call reports 2019
CECIL BANK — 2019
What CECIL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 193,019,000 | 194,023,000 | 174,166,000 | 179,326,000 |
| Total loans | 90,585,000 | 88,167,000 | 88,006,000 | 84,438,000 |
| Allowance for loan losses | 746,000 | 796,000 | 666,000 | 666,000 |
| Securities available for sale | 52,942,000 | 53,696,000 | 28,174,000 | 28,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,591,000 | 157,227,000 | 160,680,000 | 166,406,000 |
| Interest-bearing deposits | 133,259,000 | 133,665,000 | 135,593,000 | 141,891,000 |
| Noninterest-bearing deposits | 23,332,000 | 23,562,000 | 25,087,000 | 24,515,000 |
| Equity capital | 11,960,000 | 12,705,000 | 11,827,000 | 11,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,641,000 | 3,341,000 | 5,020,000 | 6,469,000 |
| Interest expense | 869,000 | 1,585,000 | 2,115,000 | 2,644,000 |
| Net interest income | 772,000 | 1,756,000 | 2,905,000 | 3,825,000 |
| Noninterest income | 566,000 | 764,000 | 1,266,000 | 1,438,000 |
| Noninterest expense | 1,759,000 | 3,446,000 | 6,310,000 | 8,097,000 |
| Provision for loan losses | 0 | 0 | -100,000 | -200,000 |
| Pretax income | -421,000 | -948,000 | -2,099,000 | -2,695,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -421,000 | -948,000 | -2,099,000 | -2,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,400,000 | 12,872,000 | 11,722,000 | 11,125,000 |
| Total capital | 14,470,000 | 13,922,000 | 12,642,000 | 12,045,000 |
| Risk-weighted assets | 93,625,000 | 91,337,000 | 87,285,000 | 84,353,000 |