Call reports 2023
CECIL BANK — 2023
What CECIL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 235,583,000 | 226,591,000 | 228,429,000 | 231,207,000 |
| Total loans | 181,253,000 | 179,328,000 | 185,740,000 | 181,285,000 |
| Allowance for loan losses | 2,434,000 | 2,060,000 | 1,860,000 | 1,775,000 |
| Securities available for sale | 13,376,000 | 12,963,000 | 12,255,000 | 17,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,218,000 | 196,974,000 | 198,813,000 | 195,080,000 |
| Interest-bearing deposits | 172,166,000 | 164,165,000 | 166,336,000 | 163,397,000 |
| Noninterest-bearing deposits | 34,052,000 | 32,809,000 | 32,477,000 | 31,683,000 |
| Equity capital | 27,600,000 | 27,773,000 | 27,638,000 | 28,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,465,000 | 5,023,000 | 7,696,000 | 10,550,000 |
| Interest expense | 533,000 | 1,188,000 | 1,891,000 | 2,779,000 |
| Net interest income | 1,932,000 | 3,835,000 | 5,805,000 | 7,771,000 |
| Noninterest income | 160,000 | 483,000 | 667,000 | 796,000 |
| Noninterest expense | 1,695,000 | 3,533,000 | 5,139,000 | 6,649,000 |
| Provision for loan losses | 0 | 0 | 325,000 | 895,000 |
| Pretax income | 397,000 | 605,000 | 813,000 | 828,000 |
| Income tax | 109,000 | 166,000 | 224,000 | 228,000 |
| Net income | 288,000 | 439,000 | 589,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,770,000 | 22,003,000 | 22,179,000 | 22,043,000 |
| Total capital | 23,957,000 | 23,892,000 | 23,865,000 | 23,055,000 |
| Risk-weighted assets | 195,248,000 | 190,352,000 | 196,138,000 | 193,059,000 |