Call reports 2013
CERESCOBANK — 2013
What CERESCOBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 45,993,000 | 43,957,000 | 44,659,000 | 44,169,000 |
| Total loans | 27,925,000 | 29,062,000 | 28,792,000 | 28,811,000 |
| Allowance for loan losses | 564,000 | 558,000 | 527,000 | 521,000 |
| Securities available for sale | 7,920,000 | 11,246,000 | 11,087,000 | 10,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,304,000 | 37,313,000 | 37,897,000 | 37,482,000 |
| Interest-bearing deposits | 32,765,000 | 31,845,000 | 32,301,000 | 31,503,000 |
| Noninterest-bearing deposits | 6,539,000 | 5,467,000 | 5,596,000 | 5,979,000 |
| Equity capital | 6,423,000 | 6,439,000 | 6,562,000 | 6,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 415,000 | 793,000 | 1,214,000 | 1,604,000 |
| Interest expense | 36,000 | 69,000 | 101,000 | 132,000 |
| Net interest income | 379,000 | 724,000 | 1,113,000 | 1,472,000 |
| Noninterest income | 106,000 | 189,000 | 266,000 | 351,000 |
| Noninterest expense | 249,000 | 489,000 | 733,000 | 1,280,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 221,000 | 394,000 | 601,000 | 483,000 |
| Income tax | 67,000 | 117,000 | 161,000 | 125,000 |
| Net income | 154,000 | 277,000 | 440,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,215,000 | 6,279,000 | 6,426,000 | 6,274,000 |
| Total capital | 6,627,000 | 6,718,000 | 6,874,000 | 6,722,000 |
| Risk-weighted assets | 32,827,000 | 34,961,000 | 35,774,000 | 35,824,000 |