Call reports 2022
CECIL BANK — 2022
What CECIL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 239,876,000 | 230,616,000 | 242,242,000 | 237,620,000 |
| Total loans | 175,201,000 | 185,886,000 | 185,505,000 | 185,721,000 |
| Allowance for loan losses | 1,911,000 | 1,961,000 | 2,105,000 | 1,622,000 |
| Securities available for sale | 16,554,000 | 14,549,000 | 14,022,000 | 13,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,857,000 | 211,293,000 | 212,740,000 | 207,769,000 |
| Interest-bearing deposits | 184,801,000 | 178,254,000 | 175,334,000 | 173,599,000 |
| Noninterest-bearing deposits | 35,056,000 | 33,039,000 | 37,406,000 | 34,171,000 |
| Equity capital | 18,570,000 | 17,543,000 | 27,751,000 | 28,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,814,000 | 3,842,000 | 6,192,000 | 8,609,000 |
| Interest expense | 325,000 | 602,000 | 872,000 | 1,191,000 |
| Net interest income | 1,489,000 | 3,240,000 | 5,320,000 | 7,418,000 |
| Noninterest income | 840,000 | 1,612,000 | 1,875,000 | 2,005,000 |
| Noninterest expense | 1,684,000 | 3,862,000 | 5,542,000 | 7,171,000 |
| Provision for loan losses | 333,000 | 418,000 | 659,000 | 812,000 |
| Pretax income | 312,000 | 572,000 | 994,000 | 1,440,000 |
| Income tax | 0 | 0 | -9,025,000 | -8,903,000 |
| Net income | 312,000 | 572,000 | 10,019,000 | 10,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,710,000 | 19,971,000 | 21,212,000 | 21,640,000 |
| Total capital | 21,761,000 | 22,420,000 | 23,678,000 | 23,877,000 |
| Risk-weighted assets | 185,716,000 | 195,684,000 | 196,938,000 | 199,031,000 |