Call reports 2007
CERESCOBANK — 2007
What CERESCOBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 35,750,000 | 34,768,000 | 35,256,000 | 36,140,000 |
| Total loans | 21,066,000 | 21,379,000 | 22,559,000 | 22,043,000 |
| Allowance for loan losses | 815,000 | 861,000 | 860,000 | 880,000 |
| Securities available for sale | 9,797,000 | 9,528,000 | 10,288,000 | 9,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,920,000 | 29,894,000 | 30,255,000 | 31,080,000 |
| Interest-bearing deposits | 26,200,000 | 26,413,000 | 26,695,000 | 27,397,000 |
| Noninterest-bearing deposits | 4,720,000 | 3,481,000 | 3,560,000 | 3,683,000 |
| Equity capital | 4,042,000 | 4,073,000 | 4,204,000 | 4,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 495,000 | 993,000 | 1,495,000 | 2,023,000 |
| Interest expense | 248,000 | 501,000 | 766,000 | 1,045,000 |
| Net interest income | 247,000 | 492,000 | 729,000 | 978,000 |
| Noninterest income | 109,000 | 190,000 | 274,000 | 375,000 |
| Noninterest expense | 215,000 | 446,000 | 658,000 | 1,078,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 141,000 | 236,000 | 345,000 | 275,000 |
| Income tax | 29,000 | 37,000 | 56,000 | 22,000 |
| Net income | 112,000 | 199,000 | 289,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,061,000 | 4,148,000 | 4,238,000 | 4,151,000 |
| Total capital | 4,351,000 | 4,444,000 | 4,543,000 | 4,477,000 |
| Risk-weighted assets | 22,814,000 | 23,085,000 | 23,867,000 | 25,506,000 |