Call reports 2007
CEDAR RAPIDS BANK AND TRUST COMPANY — 2007
What CEDAR RAPIDS BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 339,545,000 | 350,332,000 | 367,714,000 | 383,954,000 |
| Total loans | 255,191,000 | 263,680,000 | 276,878,000 | 289,871,000 |
| Allowance for loan losses | 3,407,000 | 3,591,000 | 3,808,000 | 3,801,000 |
| Securities available for sale | 55,972,000 | 56,255,000 | 60,672,000 | 62,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,086,000 | 234,885,000 | 252,365,000 | 258,952,000 |
| Interest-bearing deposits | 203,521,000 | 195,888,000 | 213,814,000 | 193,894,000 |
| Noninterest-bearing deposits | 38,565,000 | 38,997,000 | 38,551,000 | 65,058,000 |
| Equity capital | 25,063,000 | 25,946,000 | 27,784,000 | 28,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,288,000 | 10,802,000 | 16,544,000 | 22,439,000 |
| Interest expense | 3,020,000 | 6,139,000 | 9,376,000 | 12,579,000 |
| Net interest income | 2,268,000 | 4,663,000 | 7,168,000 | 9,860,000 |
| Noninterest income | 655,000 | 1,446,000 | 2,163,000 | 2,906,000 |
| Noninterest expense | 1,957,000 | 4,023,000 | 6,172,000 | 8,407,000 |
| Provision for loan losses | 173,000 | 351,000 | 533,000 | 818,000 |
| Pretax income | 793,000 | 1,735,000 | 2,626,000 | 3,541,000 |
| Income tax | 255,000 | 565,000 | 851,000 | 1,156,000 |
| Net income | 538,000 | 1,170,000 | 1,775,000 | 2,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,043,000 | 26,174,000 | 27,529,000 | 28,140,000 |
| Total capital | 28,450,000 | 29,765,000 | 31,334,000 | 31,941,000 |
| Risk-weighted assets | 280,514,000 | 291,566,000 | 304,417,000 | 309,503,000 |
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