Call reports 2015
CERESCOBANK — 2015
What CERESCOBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 45,574,000 | 44,448,000 | 46,063,000 | 45,148,000 |
| Total loans | 27,637,000 | 28,638,000 | 28,791,000 | 30,012,000 |
| Allowance for loan losses | 649,000 | 652,000 | 655,000 | 632,000 |
| Securities available for sale | 10,857,000 | 10,475,000 | 10,767,000 | 10,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,347,000 | 37,200,000 | 38,600,000 | 37,887,000 |
| Interest-bearing deposits | 31,761,000 | 31,351,000 | 31,521,000 | 31,089,000 |
| Noninterest-bearing deposits | 6,586,000 | 5,849,000 | 7,079,000 | 6,799,000 |
| Equity capital | 7,015,000 | 7,081,000 | 7,254,000 | 7,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 806,000 | 1,207,000 | 1,617,000 |
| Interest expense | 31,000 | 63,000 | 95,000 | 126,000 |
| Net interest income | 376,000 | 743,000 | 1,112,000 | 1,491,000 |
| Noninterest income | 102,000 | 205,000 | 288,000 | 369,000 |
| Noninterest expense | 216,000 | 469,000 | 733,000 | 1,368,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 267,000 | 479,000 | 684,000 | 509,000 |
| Income tax | 81,000 | 149,000 | 211,000 | 134,000 |
| Net income | 186,000 | 330,000 | 473,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,880,000 | 6,995,000 | 7,142,000 | 6,950,000 |
| Total capital | 7,326,000 | 7,460,000 | 7,612,000 | 7,433,000 |
| Risk-weighted assets | 35,532,000 | 37,011,000 | 37,453,000 | 38,464,000 |