Call reports 2018
CERESCOBANK — 2018
What CERESCOBANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 46,667,000 | 47,726,000 | 49,142,000 | 49,451,000 |
| Total loans | 29,297,000 | 30,125,000 | 31,145,000 | 32,140,000 |
| Allowance for loan losses | 583,000 | 582,000 | 576,000 | 609,000 |
| Securities available for sale | 11,389,000 | 10,782,000 | 10,636,000 | 10,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,909,000 | 39,897,000 | 41,090,000 | 41,468,000 |
| Interest-bearing deposits | 31,818,000 | 30,202,000 | 34,023,000 | 33,327,000 |
| Noninterest-bearing deposits | 7,091,000 | 9,695,000 | 7,067,000 | 8,140,000 |
| Equity capital | 7,648,000 | 7,711,000 | 7,888,000 | 7,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 429,000 | 855,000 | 1,322,000 | 1,806,000 |
| Interest expense | 51,000 | 109,000 | 174,000 | 256,000 |
| Net interest income | 378,000 | 746,000 | 1,148,000 | 1,550,000 |
| Noninterest income | 94,000 | 198,000 | 291,000 | 394,000 |
| Noninterest expense | 287,000 | 566,000 | 862,000 | 1,481,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 170,000 | 349,000 | 533,000 | 404,000 |
| Income tax | 32,000 | 65,000 | 99,000 | 67,000 |
| Net income | 138,000 | 284,000 | 434,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,673,000 | 7,766,000 | 7,940,000 | 7,821,000 |
| Total capital | 8,173,000 | 8,277,000 | 8,464,000 | 8,324,000 |
| Risk-weighted assets | 39,928,000 | 40,825,000 | 41,868,000 | 40,134,000 |