Call reports 2008
CERESCOBANK — 2008
What CERESCOBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 36,380,000 | 37,016,000 | 38,380,000 | 38,572,000 |
| Total loans | 20,984,000 | 20,647,000 | 21,923,000 | 23,242,000 |
| Allowance for loan losses | 877,000 | 889,000 | 870,000 | 852,000 |
| Securities available for sale | 9,422,000 | 11,163,000 | 14,630,000 | 13,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,265,000 | 31,936,000 | 32,075,000 | 33,209,000 |
| Interest-bearing deposits | 27,503,000 | 27,821,000 | 28,232,000 | 28,574,000 |
| Noninterest-bearing deposits | 3,762,000 | 4,114,000 | 3,843,000 | 4,635,000 |
| Equity capital | 4,305,000 | 4,326,000 | 4,477,000 | 4,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 507,000 | 982,000 | 1,506,000 | 2,035,000 |
| Interest expense | 252,000 | 469,000 | 673,000 | 869,000 |
| Net interest income | 255,000 | 513,000 | 833,000 | 1,166,000 |
| Noninterest income | 59,000 | 141,000 | 227,000 | 336,000 |
| Noninterest expense | 230,000 | 455,000 | 685,000 | 1,033,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 84,000 | 199,000 | 375,000 | 469,000 |
| Income tax | 16,000 | 31,000 | 66,000 | 69,000 |
| Net income | 68,000 | 168,000 | 309,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,219,000 | 4,316,000 | 4,460,000 | 4,501,000 |
| Total capital | 4,543,000 | 4,635,000 | 4,754,000 | 4,806,000 |
| Risk-weighted assets | 25,337,000 | 24,931,000 | 22,924,000 | 23,816,000 |