Call reports 2005
CECILIAN BANK, THE — 2005
What CECILIAN BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 312,704,000 | 318,391,000 | 314,276,000 | 329,701,000 |
| Total loans | 197,539,000 | 200,945,000 | 207,540,000 | 214,356,000 |
| Allowance for loan losses | 2,651,000 | 2,774,000 | 2,790,000 | 2,872,000 |
| Securities available for sale | 100,339,000 | 101,847,000 | 91,190,000 | 91,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,113,000 | 206,326,000 | 207,559,000 | 219,020,000 |
| Interest-bearing deposits | 182,970,000 | 179,704,000 | 180,616,000 | 193,232,000 |
| Noninterest-bearing deposits | 24,143,000 | 26,622,000 | 26,943,000 | 25,788,000 |
| Equity capital | 27,580,000 | 28,702,000 | 29,538,000 | 29,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,523,000 | 9,229,000 | 14,101,000 | 19,194,000 |
| Interest expense | 1,729,000 | 3,578,000 | 5,505,000 | 7,670,000 |
| Net interest income | 2,794,000 | 5,651,000 | 8,596,000 | 11,524,000 |
| Noninterest income | 487,000 | 1,095,000 | 1,734,000 | 2,296,000 |
| Noninterest expense | 1,722,000 | 3,528,000 | 5,362,000 | 7,242,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 650,000 |
| Pretax income | 1,439,000 | 2,953,000 | 4,581,000 | 5,901,000 |
| Income tax | 370,000 | 771,000 | 1,210,000 | 1,569,000 |
| Net income | 1,069,000 | 2,182,000 | 3,371,000 | 4,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,926,000 | 28,439,000 | 29,628,000 | 30,589,000 |
| Total capital | 30,553,000 | 31,104,000 | 32,315,000 | 33,369,000 |
| Risk-weighted assets | 210,172,000 | 213,061,000 | 214,881,000 | 222,338,000 |