Call reports 2016
CERESCOBANK — 2016
What CERESCOBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 44,900,000 | 44,554,000 | 44,547,000 | 46,603,000 |
| Total loans | 29,729,000 | 29,624,000 | 28,945,000 | 29,620,000 |
| Allowance for loan losses | 636,000 | 596,000 | 596,000 | 540,000 |
| Securities available for sale | 10,027,000 | 9,840,000 | 11,420,000 | 10,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,413,000 | 36,932,000 | 36,755,000 | 39,079,000 |
| Interest-bearing deposits | 30,874,000 | 30,454,000 | 31,133,000 | 32,202,000 |
| Noninterest-bearing deposits | 6,539,000 | 6,478,000 | 5,623,000 | 6,877,000 |
| Equity capital | 7,292,000 | 7,435,000 | 7,576,000 | 7,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 417,000 | 827,000 | 1,232,000 | 1,639,000 |
| Interest expense | 32,000 | 65,000 | 100,000 | 134,000 |
| Net interest income | 385,000 | 762,000 | 1,132,000 | 1,505,000 |
| Noninterest income | 121,000 | 204,000 | 314,000 | 395,000 |
| Noninterest expense | 271,000 | 528,000 | 771,000 | 1,466,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 235,000 | 438,000 | 675,000 | 434,000 |
| Income tax | 75,000 | 134,000 | 206,000 | 87,000 |
| Net income | 160,000 | 304,000 | 469,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,126,000 | 7,291,000 | 7,444,000 | 7,058,000 |
| Total capital | 7,599,000 | 7,768,000 | 7,921,000 | 7,553,000 |
| Risk-weighted assets | 37,690,000 | 38,070,000 | 38,046,000 | 39,579,000 |