Call reports 2001
CERESCOBANK — 2001
What CERESCOBANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 27,962,000 | 28,318,000 | 30,008,000 | 31,274,000 |
| Total loans | 22,937,000 | 24,228,000 | 25,394,000 | 26,047,000 |
| Allowance for loan losses | 367,000 | 369,000 | 376,000 | 373,000 |
| Securities available for sale | 3,253,000 | 2,770,000 | 2,793,000 | 2,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,653,000 | 23,982,000 | 24,982,000 | 26,431,000 |
| Interest-bearing deposits | 21,566,000 | 22,039,000 | 23,249,000 | 23,906,000 |
| Noninterest-bearing deposits | 2,087,000 | 1,943,000 | 1,733,000 | 2,525,000 |
| Equity capital | 2,843,000 | 2,952,000 | 3,099,000 | 2,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 551,000 | 1,116,000 | 1,700,000 | 2,315,000 |
| Interest expense | 292,000 | 580,000 | 861,000 | 1,110,000 |
| Net interest income | 259,000 | 536,000 | 839,000 | 1,205,000 |
| Noninterest income | 38,000 | 94,000 | 136,000 | 186,000 |
| Noninterest expense | 144,000 | 297,000 | 450,000 | 817,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 145,000 | 318,000 | 502,000 | 544,000 |
| Income tax | 41,000 | 87,000 | 129,000 | 149,000 |
| Net income | 104,000 | 231,000 | 373,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,737,000 | 2,917,000 | 3,041,000 | 2,948,000 |
| Total capital | 3,005,000 | 3,199,000 | 3,342,000 | 3,267,000 |
| Risk-weighted assets | 21,336,000 | 22,431,000 | 23,879,000 | 25,561,000 |