Call reports 2012
CERESCOBANK — 2012
What CERESCOBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 44,346,000 | 42,324,000 | 42,860,000 | 44,630,000 |
| Total loans | 24,344,000 | 25,205,000 | 26,864,000 | 28,547,000 |
| Allowance for loan losses | 584,000 | 556,000 | 560,000 | 572,000 |
| Securities available for sale | 11,760,000 | 11,315,000 | 10,125,000 | 9,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,936,000 | 35,410,000 | 36,170,000 | 37,990,000 |
| Interest-bearing deposits | 32,024,000 | 30,250,000 | 30,251,000 | 31,268,000 |
| Noninterest-bearing deposits | 5,912,000 | 5,160,000 | 5,919,000 | 6,722,000 |
| Equity capital | 6,122,000 | 6,468,000 | 6,326,000 | 6,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 434,000 | 857,000 | 1,265,000 | 1,706,000 |
| Interest expense | 63,000 | 121,000 | 174,000 | 227,000 |
| Net interest income | 371,000 | 736,000 | 1,091,000 | 1,479,000 |
| Noninterest income | 71,000 | 171,000 | 271,000 | 378,000 |
| Noninterest expense | 252,000 | 514,000 | 738,000 | 1,301,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 40,000 |
| Pretax income | 190,000 | 373,000 | 604,000 | 516,000 |
| Income tax | 34,000 | 98,000 | 174,000 | 116,000 |
| Net income | 156,000 | 275,000 | 430,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,867,000 | 5,986,000 | 6,142,000 | 6,061,000 |
| Total capital | 6,223,000 | 6,351,000 | 6,539,000 | 6,478,000 |
| Risk-weighted assets | 27,885,000 | 29,242,000 | 31,407,000 | 33,463,000 |