Call reports 2021
CECIL BANK — 2021
What CECIL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 193,641,000 | 194,502,000 | 203,938,000 | 236,302,000 |
| Total loans | 83,304,000 | 101,694,000 | 121,337,000 | 163,091,000 |
| Allowance for loan losses | 839,000 | 988,000 | 1,142,000 | 1,495,000 |
| Securities available for sale | 48,490,000 | 40,605,000 | 36,302,000 | 18,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,908,000 | 181,196,000 | 182,593,000 | 215,778,000 |
| Interest-bearing deposits | 148,367,000 | 148,953,000 | 149,463,000 | 182,920,000 |
| Noninterest-bearing deposits | 30,541,000 | 32,243,000 | 33,130,000 | 32,859,000 |
| Equity capital | 11,711,000 | 10,808,000 | 19,258,000 | 18,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 831,000 | 1,992,000 | 3,332,000 | 4,657,000 |
| Interest expense | 353,000 | 690,000 | 1,005,000 | 1,301,000 |
| Net interest income | 478,000 | 1,302,000 | 2,327,000 | 3,356,000 |
| Noninterest income | 578,000 | 608,000 | 692,000 | 1,172,000 |
| Noninterest expense | 1,686,000 | 3,381,000 | 5,499,000 | 6,603,000 |
| Provision for loan losses | 200,000 | 350,000 | 500,000 | 850,000 |
| Pretax income | -830,000 | -1,821,000 | -2,980,000 | -2,924,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -830,000 | -1,821,000 | -2,980,000 | -2,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,968,000 | 10,977,000 | 19,344,000 | 19,399,000 |
| Total capital | 12,947,000 | 12,105,000 | 20,626,000 | 21,034,000 |
| Risk-weighted assets | 94,304,000 | 112,719,000 | 138,969,000 | 173,620,000 |