Call reports 2003
CECILIAN BANK, THE — 2003
What CECILIAN BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 243,892,000 | 248,620,000 | 253,200,000 | 262,677,000 |
| Total loans | 156,268,000 | 158,293,000 | 164,335,000 | 169,013,000 |
| Allowance for loan losses | 2,110,000 | 2,083,000 | 2,086,000 | 2,321,000 |
| Securities available for sale | 61,459,000 | 73,147,000 | 70,459,000 | 73,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,568,000 | 197,471,000 | 202,427,000 | 211,717,000 |
| Interest-bearing deposits | 175,400,000 | 176,639,000 | 183,320,000 | 191,932,000 |
| Noninterest-bearing deposits | 18,168,000 | 20,832,000 | 19,107,000 | 19,785,000 |
| Equity capital | 24,120,000 | 25,187,000 | 24,969,000 | 25,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,805,000 | 7,657,000 | 11,554,000 | 15,523,000 |
| Interest expense | 1,601,000 | 3,152,000 | 4,665,000 | 6,180,000 |
| Net interest income | 2,204,000 | 4,505,000 | 6,889,000 | 9,343,000 |
| Noninterest income | 456,000 | 906,000 | 1,404,000 | 1,904,000 |
| Noninterest expense | 1,605,000 | 3,270,000 | 4,940,000 | 6,778,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 525,000 |
| Pretax income | 980,000 | 1,992,000 | 3,129,000 | 3,954,000 |
| Income tax | 255,000 | 514,000 | 804,000 | 973,000 |
| Net income | 725,000 | 1,478,000 | 2,325,000 | 2,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,839,000 | 23,593,000 | 24,440,000 | 24,345,000 |
| Total capital | 24,827,000 | 25,641,000 | 26,519,000 | 26,491,000 |
| Risk-weighted assets | 158,891,000 | 163,811,000 | 169,542,000 | 171,496,000 |