Call reports 2004
CECILIAN BANK, THE — 2004
What CECILIAN BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 273,967,000 | 280,994,000 | 309,454,000 | 318,692,000 |
| Total loans | 173,083,000 | 178,539,000 | 188,253,000 | 194,360,000 |
| Allowance for loan losses | 2,434,000 | 2,501,000 | 2,611,000 | 2,556,000 |
| Securities available for sale | 83,900,000 | 88,183,000 | 105,787,000 | 107,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,023,000 | 214,123,000 | 215,606,000 | 214,745,000 |
| Interest-bearing deposits | 194,953,000 | 193,256,000 | 190,365,000 | 191,107,000 |
| Noninterest-bearing deposits | 20,070,000 | 20,867,000 | 25,241,000 | 23,638,000 |
| Equity capital | 26,351,000 | 24,626,000 | 27,204,000 | 27,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,006,000 | 8,086,000 | 12,498,000 | 16,999,000 |
| Interest expense | 1,500,000 | 3,018,000 | 4,676,000 | 6,313,000 |
| Net interest income | 2,506,000 | 5,068,000 | 7,822,000 | 10,686,000 |
| Noninterest income | 449,000 | 951,000 | 1,536,000 | 2,081,000 |
| Noninterest expense | 1,665,000 | 3,392,000 | 5,148,000 | 6,965,000 |
| Provision for loan losses | 113,000 | 225,000 | 338,000 | 450,000 |
| Pretax income | 1,177,000 | 2,405,000 | 3,875,000 | 5,356,000 |
| Income tax | 314,000 | 625,000 | 1,007,000 | 1,394,000 |
| Net income | 863,000 | 1,780,000 | 2,868,000 | 3,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,108,000 | 25,275,000 | 26,363,000 | 27,457,000 |
| Total capital | 27,317,000 | 27,633,000 | 28,856,000 | 30,013,000 |
| Risk-weighted assets | 176,516,000 | 188,484,000 | 199,348,000 | 205,662,000 |