Call reports 2011
CERESCOBANK — 2011
What CERESCOBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 43,179,000 | 42,304,000 | 42,365,000 | 41,757,000 |
| Total loans | 22,168,000 | 23,673,000 | 26,185,000 | 26,710,000 |
| Allowance for loan losses | 737,000 | 741,000 | 732,000 | 584,000 |
| Securities available for sale | 13,443,000 | 14,523,000 | 13,339,000 | 11,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,812,000 | 35,826,000 | 35,466,000 | 35,475,000 |
| Interest-bearing deposits | 31,693,000 | 31,274,000 | 31,155,000 | 30,346,000 |
| Noninterest-bearing deposits | 5,119,000 | 4,552,000 | 4,311,000 | 5,130,000 |
| Equity capital | 5,643,000 | 5,776,000 | 5,973,000 | 5,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 438,000 | 893,000 | 1,371,000 | 1,843,000 |
| Interest expense | 106,000 | 211,000 | 288,000 | 355,000 |
| Net interest income | 332,000 | 682,000 | 1,083,000 | 1,488,000 |
| Noninterest income | 77,000 | 191,000 | 291,000 | 392,000 |
| Noninterest expense | 239,000 | 492,000 | 743,000 | 1,248,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 170,000 | 381,000 | 631,000 | 632,000 |
| Income tax | 43,000 | 90,000 | 160,000 | 145,000 |
| Net income | 127,000 | 291,000 | 471,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,401,000 | 5,565,000 | 5,746,000 | 5,712,000 |
| Total capital | 5,719,000 | 5,906,000 | 6,113,000 | 6,088,000 |
| Risk-weighted assets | 25,194,000 | 26,866,000 | 29,020,000 | 29,901,000 |