Call reports 2008
CEDAR RAPIDS BANK AND TRUST COMPANY — 2008
What CEDAR RAPIDS BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 411,212,000 | 412,286,000 | 444,182,000 | 469,139,000 |
| Total loans | 304,415,000 | 305,846,000 | 344,940,000 | 354,578,000 |
| Allowance for loan losses | 4,010,000 | 4,287,000 | 4,436,000 | 4,969,000 |
| Securities available for sale | 72,553,000 | 69,702,000 | 66,273,000 | 70,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,917,000 | 275,169,000 | 282,617,000 | 310,117,000 |
| Interest-bearing deposits | 234,954,000 | 229,857,000 | 232,802,000 | 256,461,000 |
| Noninterest-bearing deposits | 44,963,000 | 45,312,000 | 49,815,000 | 53,656,000 |
| Equity capital | 30,963,000 | 29,543,000 | 33,046,000 | 36,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,828,000 | 11,683,000 | 17,787,000 | 24,062,000 |
| Interest expense | 3,031,000 | 5,710,000 | 8,355,000 | 11,082,000 |
| Net interest income | 2,797,000 | 5,973,000 | 9,432,000 | 12,980,000 |
| Noninterest income | 790,000 | 1,665,000 | 2,463,000 | 3,626,000 |
| Noninterest expense | 2,454,000 | 4,850,000 | 7,359,000 | 10,118,000 |
| Provision for loan losses | 193,000 | 443,000 | 915,000 | 1,870,000 |
| Pretax income | 940,000 | 2,345,000 | 3,624,000 | 4,621,000 |
| Income tax | 298,000 | 775,000 | 1,201,000 | 1,508,000 |
| Net income | 642,000 | 1,570,000 | 2,423,000 | 3,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,782,000 | 29,210,000 | 33,062,000 | 35,752,000 |
| Total capital | 33,789,000 | 33,320,000 | 37,498,000 | 40,575,000 |
| Risk-weighted assets | 320,595,000 | 328,585,000 | 363,034,000 | 385,674,000 |
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