Call reports 2008
CECILIAN BANK, THE — 2008
What CECILIAN BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 327,992,000 | 322,570,000 | 325,901,000 | 338,291,000 |
| Total loans | 237,577,000 | 242,402,000 | 244,241,000 | 238,932,000 |
| Allowance for loan losses | 2,823,000 | 2,979,000 | 3,279,000 | 3,236,000 |
| Securities available for sale | 56,259,000 | 54,212,000 | 52,194,000 | 71,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,668,000 | 231,505,000 | 231,388,000 | 241,277,000 |
| Interest-bearing deposits | 210,298,000 | 206,404,000 | 206,371,000 | 215,801,000 |
| Noninterest-bearing deposits | 25,370,000 | 25,101,000 | 25,017,000 | 25,476,000 |
| Equity capital | 35,488,000 | 34,524,000 | 34,446,000 | 36,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,054,000 | 10,057,000 | 15,004,000 | 19,925,000 |
| Interest expense | 2,442,000 | 4,761,000 | 7,026,000 | 9,309,000 |
| Net interest income | 2,612,000 | 5,296,000 | 7,978,000 | 10,616,000 |
| Noninterest income | 625,000 | 1,277,000 | 1,856,000 | 2,455,000 |
| Noninterest expense | 2,164,000 | 4,347,000 | 6,697,000 | 8,933,000 |
| Provision for loan losses | 60,000 | 620,000 | 930,000 | 990,000 |
| Pretax income | 1,043,000 | 1,636,000 | 2,237,000 | 3,178,000 |
| Income tax | 262,000 | 368,000 | 399,000 | 594,000 |
| Net income | 781,000 | 1,268,000 | 1,838,000 | 2,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,088,000 | 34,575,000 | 35,146,000 | 35,541,000 |
| Total capital | 37,911,000 | 37,554,000 | 38,159,000 | 38,601,000 |
| Risk-weighted assets | 236,526,000 | 238,916,000 | 240,785,000 | 244,656,000 |