Call reports 2023
CERESCOBANK — 2023
What CERESCOBANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 68,079,000 | 66,245,000 | 66,356,000 | 65,990,000 |
| Total loans | 30,476,000 | 31,890,000 | 32,155,000 | 31,119,000 |
| Allowance for loan losses | 564,000 | 603,000 | 600,000 | 593,000 |
| Securities available for sale | 25,839,000 | 25,442,000 | 24,690,000 | 26,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,641,000 | 56,575,000 | 56,399,000 | 57,726,000 |
| Interest-bearing deposits | 47,730,000 | 44,583,000 | 45,263,000 | 46,253,000 |
| Noninterest-bearing deposits | 12,911,000 | 11,992,000 | 11,136,000 | 11,473,000 |
| Equity capital | 7,250,000 | 7,148,000 | 6,806,000 | 7,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 610,000 | 1,225,000 | 1,864,000 | 2,526,000 |
| Interest expense | 156,000 | 389,000 | 654,000 | 946,000 |
| Net interest income | 454,000 | 836,000 | 1,210,000 | 1,580,000 |
| Noninterest income | 89,000 | 177,000 | 296,000 | 394,000 |
| Noninterest expense | 341,000 | 644,000 | 956,000 | 1,634,000 |
| Provision for loan losses | 0 | 54,000 | 51,000 | 49,000 |
| Pretax income | 218,000 | 291,000 | 416,000 | 306,000 |
| Income tax | 44,000 | 66,000 | 103,000 | 49,000 |
| Net income | 174,000 | 225,000 | 313,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,385,000 | 9,436,000 | 9,523,000 | 9,427,000 |