Call reports 2007
CECILIAN BANK, THE — 2007
What CECILIAN BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 317,336,000 | 317,912,000 | 316,939,000 | 319,417,000 |
| Total loans | 225,774,000 | 232,760,000 | 233,887,000 | 238,133,000 |
| Allowance for loan losses | 3,041,000 | 3,187,000 | 2,953,000 | 2,797,000 |
| Securities available for sale | 61,630,000 | 60,870,000 | 61,062,000 | 60,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,609,000 | 233,009,000 | 230,428,000 | 224,533,000 |
| Interest-bearing deposits | 205,021,000 | 207,253,000 | 206,793,000 | 200,818,000 |
| Noninterest-bearing deposits | 28,588,000 | 25,756,000 | 23,635,000 | 23,715,000 |
| Equity capital | 32,385,000 | 32,933,000 | 33,918,000 | 34,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,147,000 | 10,430,000 | 15,746,000 | 21,062,000 |
| Interest expense | 2,348,000 | 4,795,000 | 7,337,000 | 9,880,000 |
| Net interest income | 2,799,000 | 5,635,000 | 8,409,000 | 11,182,000 |
| Noninterest income | 577,000 | 1,245,000 | 1,873,000 | 2,477,000 |
| Noninterest expense | 1,967,000 | 3,975,000 | 6,043,000 | 8,437,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 360,000 |
| Pretax income | 1,289,000 | 2,665,000 | 3,879,000 | 4,862,000 |
| Income tax | 314,000 | 705,000 | 1,016,000 | 1,256,000 |
| Net income | 975,000 | 1,960,000 | 2,863,000 | 3,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,675,000 | 33,660,000 | 34,064,000 | 34,307,000 |
| Total capital | 35,466,000 | 36,493,000 | 36,912,000 | 37,104,000 |
| Risk-weighted assets | 223,017,000 | 226,293,000 | 227,740,000 | 231,092,000 |