Call reports 2020
CERESCOBANK — 2020
What CERESCOBANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 50,294,000 | 54,578,000 | 55,970,000 | 58,583,000 |
| Total loans | 34,811,000 | 36,337,000 | 35,021,000 | 33,858,000 |
| Allowance for loan losses | 652,000 | 703,000 | 727,000 | 773,000 |
| Securities available for sale | 5,178,000 | 5,193,000 | 4,752,000 | 6,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,773,000 | 45,745,000 | 47,033,000 | 49,792,000 |
| Interest-bearing deposits | 33,668,000 | 35,756,000 | 37,288,000 | 39,489,000 |
| Noninterest-bearing deposits | 8,105,000 | 9,989,000 | 9,745,000 | 10,303,000 |
| Equity capital | 8,359,000 | 8,637,000 | 8,729,000 | 8,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 496,000 | 987,000 | 1,457,000 | 1,982,000 |
| Interest expense | 98,000 | 191,000 | 278,000 | 365,000 |
| Net interest income | 398,000 | 796,000 | 1,179,000 | 1,617,000 |
| Noninterest income | 117,000 | 214,000 | 330,000 | 424,000 |
| Noninterest expense | 290,000 | 563,000 | 843,000 | 1,494,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 195,000 | 384,000 | 556,000 | 391,000 |
| Income tax | 38,000 | 67,000 | 100,000 | 56,000 |
| Net income | 157,000 | 317,000 | 456,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,344,000 | 8,505,000 | 8,627,000 | 8,473,000 |