Call reports 2005
CERESCOBANK — 2005
What CERESCOBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 33,384,000 | 31,632,000 | 31,014,000 | 31,656,000 |
| Total loans | 25,096,000 | 24,514,000 | 23,671,000 | 22,096,000 |
| Allowance for loan losses | 1,051,000 | 1,078,000 | 863,000 | 886,000 |
| Securities available for sale | 4,932,000 | 4,463,000 | 4,552,000 | 5,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,699,000 | 26,846,000 | 26,604,000 | 27,313,000 |
| Interest-bearing deposits | 24,937,000 | 23,749,000 | 23,891,000 | 24,498,000 |
| Noninterest-bearing deposits | 3,762,000 | 3,097,000 | 2,713,000 | 2,815,000 |
| Equity capital | 3,559,000 | 3,664,000 | 3,735,000 | 3,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 467,000 | 911,000 | 1,355,000 | 1,804,000 |
| Interest expense | 132,000 | 270,000 | 416,000 | 581,000 |
| Net interest income | 335,000 | 641,000 | 939,000 | 1,223,000 |
| Noninterest income | 59,000 | 143,000 | 207,000 | 297,000 |
| Noninterest expense | 204,000 | 399,000 | 611,000 | 991,000 |
| Provision for loan losses | 60,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 130,000 | 235,000 | 385,000 | 365,000 |
| Income tax | 33,000 | 67,000 | 129,000 | 99,000 |
| Net income | 97,000 | 168,000 | 256,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,602,000 | 3,673,000 | 3,709,000 | 3,722,000 |
| Total capital | 3,905,000 | 3,973,000 | 4,006,000 | 4,033,000 |
| Risk-weighted assets | 23,529,000 | 23,435,000 | 23,242,000 | 24,324,000 |