Call reports 2020
CECIL BANK — 2020
What CECIL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 184,808,000 | 200,337,000 | 195,004,000 | 189,311,000 |
| Total loans | 76,650,000 | 76,545,000 | 72,614,000 | 76,610,000 |
| Allowance for loan losses | 666,000 | 705,000 | 634,000 | 638,000 |
| Securities available for sale | 31,520,000 | 63,997,000 | 62,137,000 | 58,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,332,000 | 186,573,000 | 180,931,000 | 174,102,000 |
| Interest-bearing deposits | 145,045,000 | 153,393,000 | 150,659,000 | 144,063,000 |
| Noninterest-bearing deposits | 27,287,000 | 33,180,000 | 30,272,000 | 30,039,000 |
| Equity capital | 10,898,000 | 9,611,000 | 10,104,000 | 12,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,491,000 | 2,611,000 | 3,837,000 | 4,898,000 |
| Interest expense | 556,000 | 1,102,000 | 1,603,000 | 2,027,000 |
| Net interest income | 935,000 | 1,509,000 | 2,234,000 | 2,871,000 |
| Noninterest income | 158,000 | 320,000 | 1,527,000 | 5,630,000 |
| Noninterest expense | 1,812,000 | 3,675,000 | 5,316,000 | 7,353,000 |
| Provision for loan losses | 0 | 0 | -75,000 | -75,000 |
| Pretax income | -482,000 | -1,397,000 | -1,031,000 | 1,672,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -482,000 | -1,397,000 | -1,031,000 | 1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,644,000 | 9,603,000 | 10,011,000 | 12,798,000 |
| Total capital | 11,564,000 | 10,562,000 | 10,785,000 | 13,576,000 |
| Risk-weighted assets | 87,040,000 | 83,235,000 | 80,666,000 | 86,028,000 |