Call reports 2017
CERESCOBANK — 2017
What CERESCOBANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 46,873,000 | 46,704,000 | 46,701,000 | 46,929,000 |
| Total loans | 28,921,000 | 29,570,000 | 31,134,000 | 30,763,000 |
| Allowance for loan losses | 544,000 | 557,000 | 549,000 | 567,000 |
| Securities available for sale | 11,451,000 | 11,630,000 | 11,533,000 | 11,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,199,000 | 38,811,000 | 38,491,000 | 39,059,000 |
| Interest-bearing deposits | 32,362,000 | 32,820,000 | 32,196,000 | 32,316,000 |
| Noninterest-bearing deposits | 6,837,000 | 5,991,000 | 6,296,000 | 6,743,000 |
| Equity capital | 7,452,000 | 7,614,000 | 7,796,000 | 7,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 409,000 | 824,000 | 1,250,000 | 1,687,000 |
| Interest expense | 38,000 | 77,000 | 118,000 | 165,000 |
| Net interest income | 371,000 | 747,000 | 1,132,000 | 1,522,000 |
| Noninterest income | 137,000 | 214,000 | 321,000 | 431,000 |
| Noninterest expense | 268,000 | 537,000 | 798,000 | 1,447,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 95,000 |
| Pretax income | 240,000 | 424,000 | 620,000 | 411,000 |
| Income tax | 74,000 | 123,000 | 179,000 | 25,000 |
| Net income | 166,000 | 301,000 | 441,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,229,000 | 7,383,000 | 7,500,000 | 7,268,000 |
| Total capital | 7,715,000 | 7,884,000 | 8,017,000 | 7,782,000 |
| Risk-weighted assets | 38,803,000 | 40,002,000 | 41,347,000 | 41,102,000 |