Call reports 2019
CERESCOBANK — 2019
What CERESCOBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 49,657,000 | 49,440,000 | 49,584,000 | 51,310,000 |
| Total loans | 32,423,000 | 33,150,000 | 33,232,000 | 34,201,000 |
| Allowance for loan losses | 625,000 | 609,000 | 599,000 | 599,000 |
| Securities available for sale | 10,001,000 | 9,703,000 | 9,627,000 | 5,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,548,000 | 41,129,000 | 40,972,000 | 42,791,000 |
| Interest-bearing deposits | 33,801,000 | 34,279,000 | 33,567,000 | 34,591,000 |
| Noninterest-bearing deposits | 7,746,000 | 6,851,000 | 7,405,000 | 8,200,000 |
| Equity capital | 7,925,000 | 8,162,000 | 8,407,000 | 8,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 480,000 | 986,000 | 1,516,000 | 2,040,000 |
| Interest expense | 92,000 | 196,000 | 308,000 | 414,000 |
| Net interest income | 388,000 | 790,000 | 1,208,000 | 1,626,000 |
| Noninterest income | 93,000 | 183,000 | 290,000 | 383,000 |
| Noninterest expense | 267,000 | 564,000 | 840,000 | 1,466,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 199,000 | 379,000 | 613,000 | 483,000 |
| Income tax | 39,000 | 73,000 | 119,000 | 87,000 |
| Net income | 160,000 | 306,000 | 494,000 | 396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,964,000 | 8,109,000 | 8,366,000 | 8,187,000 |
| Total capital | 8,510,000 | 8,629,000 | 8,886,000 | 8,714,000 |
| Risk-weighted assets | 43,592,000 | 41,545,000 | 41,442,000 | 42,123,000 |