Call reports 2024
CERESCOBANK — 2024
What CERESCOBANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 69,948,000 | 70,331,000 | 72,181,000 | 76,365,000 |
| Total loans | 32,922,000 | 33,357,000 | 33,988,000 | 35,394,000 |
| Allowance for loan losses | 651,000 | 680,000 | 689,000 | 688,000 |
| Securities available for sale | 26,691,000 | 25,721,000 | 27,559,000 | 31,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,148,000 | 62,307,000 | 63,196,000 | 63,485,000 |
| Interest-bearing deposits | 49,917,000 | 50,544,000 | 51,501,000 | 51,926,000 |
| Noninterest-bearing deposits | 12,231,000 | 11,763,000 | 11,695,000 | 11,559,000 |
| Equity capital | 7,429,000 | 7,690,000 | 8,602,000 | 8,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 696,000 | 1,439,000 | 2,239,000 | 3,063,000 |
| Interest expense | 316,000 | 660,000 | 1,037,000 | 1,425,000 |
| Net interest income | 380,000 | 779,000 | 1,202,000 | 1,638,000 |
| Noninterest income | 96,000 | 212,000 | 330,000 | 460,000 |
| Noninterest expense | 281,000 | 599,000 | 962,000 | 1,553,000 |
| Provision for loan losses | 13,000 | 61,000 | 66,000 | 68,000 |
| Pretax income | 151,000 | 300,000 | 551,000 | 455,000 |
| Income tax | 36,000 | 65,000 | 98,000 | 76,000 |
| Net income | 115,000 | 235,000 | 453,000 | 379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,541,000 | 9,662,000 | 9,880,000 | 9,765,000 |