Call reports 2006
CERESCOBANK — 2006
What CERESCOBANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 32,388,000 | 32,816,000 | 33,641,000 | 34,535,000 |
| Total loans | 21,296,000 | 20,783,000 | 21,523,000 | 21,741,000 |
| Allowance for loan losses | 823,000 | 862,000 | 806,000 | 813,000 |
| Securities available for sale | 6,726,000 | 7,625,000 | 8,958,000 | 8,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,957,000 | 28,184,000 | 28,887,000 | 29,828,000 |
| Interest-bearing deposits | 25,021,000 | 25,159,000 | 25,460,000 | 25,688,000 |
| Noninterest-bearing deposits | 2,936,000 | 3,026,000 | 3,428,000 | 4,140,000 |
| Equity capital | 3,770,000 | 3,873,000 | 3,964,000 | 3,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 445,000 | 909,000 | 1,381,000 | 1,874,000 |
| Interest expense | 170,000 | 365,000 | 588,000 | 826,000 |
| Net interest income | 275,000 | 544,000 | 793,000 | 1,048,000 |
| Noninterest income | 79,000 | 164,000 | 239,000 | 310,000 |
| Noninterest expense | 210,000 | 428,000 | 634,000 | 1,059,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 144,000 | 280,000 | 398,000 | 299,000 |
| Income tax | 40,000 | 72,000 | 97,000 | 22,000 |
| Net income | 104,000 | 208,000 | 301,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,826,000 | 3,930,000 | 4,022,000 | 3,949,000 |
| Total capital | 4,128,000 | 4,215,000 | 4,316,000 | 4,247,000 |
| Risk-weighted assets | 23,645,000 | 22,248,000 | 23,081,000 | 23,295,000 |