Call reports 2010
CERESCOBANK — 2010
What CERESCOBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 39,951,000 | 41,268,000 | 40,687,000 | 40,584,000 |
| Total loans | 23,058,000 | 23,199,000 | 24,305,000 | 24,243,000 |
| Allowance for loan losses | 852,000 | 850,000 | 852,000 | 780,000 |
| Securities available for sale | 13,364,000 | 13,993,000 | 12,382,000 | 12,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,884,000 | 34,972,000 | 34,148,000 | 34,336,000 |
| Interest-bearing deposits | 29,353,000 | 30,913,000 | 29,781,000 | 29,661,000 |
| Noninterest-bearing deposits | 4,531,000 | 4,059,000 | 4,367,000 | 4,675,000 |
| Equity capital | 5,296,000 | 5,503,000 | 5,678,000 | 5,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 493,000 | 957,000 | 1,444,000 | 1,905,000 |
| Interest expense | 122,000 | 238,000 | 353,000 | 465,000 |
| Net interest income | 371,000 | 719,000 | 1,091,000 | 1,440,000 |
| Noninterest income | 72,000 | 152,000 | 248,000 | 328,000 |
| Noninterest expense | 221,000 | 456,000 | 690,000 | 1,191,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 222,000 | 415,000 | 649,000 | 577,000 |
| Income tax | 65,000 | 97,000 | 172,000 | 131,000 |
| Net income | 157,000 | 318,000 | 477,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,035,000 | 5,196,000 | 5,355,000 | 5,274,000 |
| Total capital | 5,339,000 | 5,524,000 | 5,685,000 | 5,621,000 |
| Risk-weighted assets | 23,764,000 | 25,725,000 | 25,898,000 | 27,358,000 |