Call reports 2014
CERESCOBANK — 2014
What CERESCOBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 46,177,000 | 45,104,000 | 44,659,000 | 45,825,000 |
| Total loans | 27,100,000 | 27,956,000 | 28,909,000 | 29,361,000 |
| Allowance for loan losses | 517,000 | 519,000 | 620,000 | 620,000 |
| Securities available for sale | 10,387,000 | 11,189,000 | 11,136,000 | 12,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,199,000 | 37,960,000 | 37,413,000 | 37,731,000 |
| Interest-bearing deposits | 32,782,000 | 30,966,000 | 31,192,000 | 30,892,000 |
| Noninterest-bearing deposits | 6,417,000 | 6,994,000 | 6,221,000 | 6,839,000 |
| Equity capital | 6,724,000 | 6,847,000 | 6,938,000 | 6,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 416,000 | 831,000 | 1,273,000 | 1,698,000 |
| Interest expense | 29,000 | 60,000 | 90,000 | 121,000 |
| Net interest income | 387,000 | 771,000 | 1,183,000 | 1,577,000 |
| Noninterest income | 120,000 | 192,000 | 291,000 | 380,000 |
| Noninterest expense | 255,000 | 515,000 | 754,000 | 1,376,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 227,000 | 423,000 | 695,000 | 556,000 |
| Income tax | 71,000 | 126,000 | 208,000 | 139,000 |
| Net income | 156,000 | 297,000 | 487,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,454,000 | 6,611,000 | 6,794,000 | 6,677,000 |
| Total capital | 6,894,000 | 7,053,000 | 7,240,000 | 7,137,000 |
| Risk-weighted assets | 35,104,000 | 35,245,000 | 35,698,000 | 36,761,000 |