Call reports 2024
CECIL BANK — 2024
What CECIL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 235,850,000 | 227,749,000 | 228,537,000 | 223,513,000 |
| Total loans | 180,305,000 | 174,083,000 | 170,881,000 | 168,492,000 |
| Allowance for loan losses | 1,664,000 | 1,822,000 | 1,805,000 | 1,766,000 |
| Securities available for sale | 17,117,000 | 16,836,000 | 19,829,000 | 21,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,512,000 | 190,751,000 | 192,225,000 | 191,228,000 |
| Interest-bearing deposits | 170,224,000 | 161,407,000 | 160,042,000 | 161,245,000 |
| Noninterest-bearing deposits | 29,288,000 | 29,344,000 | 32,183,000 | 29,983,000 |
| Equity capital | 27,872,000 | 27,561,000 | 28,431,000 | 28,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,822,000 | 5,756,000 | 8,903,000 | 11,902,000 |
| Interest expense | 1,072,000 | 2,201,000 | 3,338,000 | 4,503,000 |
| Net interest income | 1,750,000 | 3,555,000 | 5,565,000 | 7,399,000 |
| Noninterest income | 115,000 | 280,000 | 474,000 | 610,000 |
| Noninterest expense | 1,581,000 | 3,918,000 | 5,472,000 | 6,523,000 |
| Provision for loan losses | 270,000 | 410,000 | 605,000 | 1,095,000 |
| Pretax income | 14,000 | -573,000 | -158,000 | 271,000 |
| Income tax | 4,000 | -158,000 | -44,000 | 74,000 |
| Net income | 10,000 | -415,000 | -114,000 | 197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,899,000 | 21,385,000 | 21,791,000 | 22,260,000 |
| Total capital | 23,071,000 | 22,792,000 | 23,090,000 | 23,495,000 |
| Risk-weighted assets | 193,627,000 | 185,096,000 | 181,718,000 | 180,600,000 |