Call reports 2022
CERESCOBANK — 2022
What CERESCOBANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 67,637,000 | 66,551,000 | 68,496,000 | 68,935,000 |
| Total loans | 29,897,000 | 30,018,000 | 30,740,000 | 33,658,000 |
| Allowance for loan losses | 696,000 | 770,000 | 568,000 | 558,000 |
| Securities available for sale | 25,047,000 | 23,586,000 | 26,354,000 | 25,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,761,000 | 59,308,000 | 61,386,000 | 58,374,000 |
| Interest-bearing deposits | 46,375,000 | 46,686,000 | 46,828,000 | 45,713,000 |
| Noninterest-bearing deposits | 13,386,000 | 12,623,000 | 14,558,000 | 12,661,000 |
| Equity capital | 7,794,000 | 7,144,000 | 6,942,000 | 6,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 424,000 | 878,000 | 1,378,000 | 1,928,000 |
| Interest expense | 40,000 | 81,000 | 129,000 | 201,000 |
| Net interest income | 384,000 | 797,000 | 1,249,000 | 1,727,000 |
| Noninterest income | 112,000 | 220,000 | 323,000 | 429,000 |
| Noninterest expense | 312,000 | 616,000 | 915,000 | 1,535,000 |
| Provision for loan losses | 0 | 0 | -200,000 | -200,000 |
| Pretax income | 89,000 | 223,000 | 616,000 | 634,000 |
| Income tax | 36,000 | 79,000 | 174,000 | 165,000 |
| Net income | 53,000 | 144,000 | 442,000 | 469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,845,000 | 8,936,000 | 9,235,000 | 9,210,000 |