Call reports 2021
CERESCOBANK — 2021
What CERESCOBANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 64,327,000 | 65,732,000 | 63,804,000 | 62,454,000 |
| Total loans | 31,842,000 | 32,345,000 | 33,105,000 | 31,882,000 |
| Allowance for loan losses | 775,000 | 782,000 | 795,000 | 748,000 |
| Securities available for sale | 10,629,000 | 16,721,000 | 17,155,000 | 21,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,567,000 | 56,855,000 | 54,641,000 | 53,428,000 |
| Interest-bearing deposits | 41,785,000 | 44,330,000 | 43,266,000 | 41,987,000 |
| Noninterest-bearing deposits | 13,782,000 | 12,525,000 | 11,375,000 | 11,441,000 |
| Equity capital | 8,633,000 | 8,757,000 | 9,001,000 | 8,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 416,000 | 876,000 | 1,431,000 | 1,865,000 |
| Interest expense | 67,000 | 118,000 | 166,000 | 212,000 |
| Net interest income | 349,000 | 758,000 | 1,265,000 | 1,653,000 |
| Noninterest income | 93,000 | 208,000 | 309,000 | 407,000 |
| Noninterest expense | 299,000 | 604,000 | 939,000 | 1,552,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 15,000 |
| Pretax income | 127,000 | 342,000 | 597,000 | 459,000 |
| Income tax | 28,000 | 70,000 | 121,000 | 90,000 |
| Net income | 99,000 | 272,000 | 476,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,571,000 | 8,744,000 | 8,947,000 | 8,792,000 |