Call reports 2009
CERESCOBANK — 2009
What CERESCOBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 39,635,000 | 38,798,000 | 39,044,000 | 38,832,000 |
| Total loans | 22,300,000 | 21,418,000 | 22,275,000 | 23,001,000 |
| Allowance for loan losses | 853,000 | 898,000 | 890,000 | 844,000 |
| Securities available for sale | 13,505,000 | 15,293,000 | 15,388,000 | 14,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,159,000 | 33,080,000 | 32,555,000 | 32,803,000 |
| Interest-bearing deposits | 28,811,000 | 29,053,000 | 28,638,000 | 28,754,000 |
| Noninterest-bearing deposits | 5,348,000 | 4,027,000 | 3,917,000 | 4,049,000 |
| Equity capital | 4,767,000 | 4,951,000 | 5,122,000 | 5,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,018,000 | 1,531,000 | 2,051,000 |
| Interest expense | 162,000 | 320,000 | 465,000 | 600,000 |
| Net interest income | 343,000 | 698,000 | 1,066,000 | 1,451,000 |
| Noninterest income | 69,000 | 150,000 | 251,000 | 326,000 |
| Noninterest expense | 241,000 | 505,000 | 764,000 | 1,234,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 171,000 | 343,000 | 553,000 | 543,000 |
| Income tax | 43,000 | 88,000 | 131,000 | 116,000 |
| Net income | 128,000 | 255,000 | 422,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,629,000 | 4,758,000 | 4,923,000 | 4,878,000 |
| Total capital | 4,946,000 | 5,060,000 | 5,219,000 | 5,200,000 |
| Risk-weighted assets | 25,206,000 | 23,590,000 | 24,234,000 | 25,305,000 |