Call reports 2015
CECILIAN BANK, THE — 2015
What CECILIAN BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 614,497,000 | 603,240,000 | 609,109,000 | 614,837,000 |
| Total loans | 329,570,000 | 335,345,000 | 359,924,000 | 376,259,000 |
| Allowance for loan losses | 6,547,000 | 6,515,000 | 6,380,000 | 6,388,000 |
| Securities available for sale | 181,617,000 | 177,220,000 | 171,333,000 | 148,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 500,791,000 | 491,415,000 | 488,373,000 | 494,961,000 |
| Interest-bearing deposits | 438,710,000 | 428,450,000 | 426,614,000 | 432,593,000 |
| Noninterest-bearing deposits | 62,081,000 | 62,965,000 | 61,759,000 | 62,368,000 |
| Equity capital | 55,612,000 | 56,228,000 | 58,409,000 | 58,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,343,000 | 10,762,000 | 16,420,000 | 22,152,000 |
| Interest expense | 1,016,000 | 1,983,000 | 2,951,000 | 3,906,000 |
| Net interest income | 4,327,000 | 8,779,000 | 13,469,000 | 18,246,000 |
| Noninterest income | 844,000 | 1,839,000 | 2,855,000 | 3,889,000 |
| Noninterest expense | 3,387,000 | 6,976,000 | 10,679,000 | 14,343,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,784,000 | 3,642,000 | 5,645,000 | 7,792,000 |
| Income tax | 320,000 | 854,000 | 1,271,000 | 1,757,000 |
| Net income | 1,464,000 | 2,788,000 | 4,374,000 | 6,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,607,000 | 54,930,000 | 56,516,000 | 57,017,000 |
| Total capital | 59,050,000 | 59,962,000 | 61,829,000 | 62,317,000 |
| Risk-weighted assets | 434,222,000 | 400,914,000 | 423,698,000 | 422,793,000 |