Call reports 2004
CERESCOBANK — 2004
What CERESCOBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 34,159,000 | 33,686,000 | 33,175,000 | 33,903,000 |
| Total loans | 25,597,000 | 26,626,000 | 25,725,000 | 25,506,000 |
| Allowance for loan losses | 702,000 | 733,000 | 818,000 | 1,016,000 |
| Securities available for sale | 2,524,000 | 2,550,000 | 2,778,000 | 4,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,462,000 | 28,888,000 | 28,218,000 | 29,258,000 |
| Interest-bearing deposits | 26,000,000 | 25,441,000 | 25,196,000 | 25,738,000 |
| Noninterest-bearing deposits | 3,461,000 | 3,447,000 | 3,022,000 | 3,520,000 |
| Equity capital | 3,438,000 | 3,515,000 | 3,612,000 | 3,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 466,000 | 938,000 | 1,414,000 | 1,913,000 |
| Interest expense | 134,000 | 266,000 | 397,000 | 535,000 |
| Net interest income | 332,000 | 672,000 | 1,017,000 | 1,378,000 |
| Noninterest income | 51,000 | 133,000 | 209,000 | 288,000 |
| Noninterest expense | 176,000 | 364,000 | 544,000 | 933,000 |
| Provision for loan losses | 0 | 25,000 | 125,000 | 335,000 |
| Pretax income | 213,000 | 422,000 | 563,000 | 404,000 |
| Income tax | 76,000 | 161,000 | 240,000 | 113,000 |
| Net income | 137,000 | 261,000 | 323,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,401,000 | 3,525,000 | 3,587,000 | 3,491,000 |
| Total capital | 3,704,000 | 3,845,000 | 3,890,000 | 3,800,000 |
| Risk-weighted assets | 23,810,000 | 25,195,000 | 23,866,000 | 23,775,000 |