Call reports 2009
CEDAR RAPIDS BANK AND TRUST COMPANY — 2009
What CEDAR RAPIDS BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 492,588,000 | 503,612,000 | 525,524,000 | 543,936,000 |
| Total loans | 372,823,000 | 385,145,000 | 390,376,000 | 382,800,000 |
| Allowance for loan losses | 5,933,000 | 6,592,000 | 6,807,000 | 7,232,000 |
| Securities available for sale | 81,962,000 | 82,651,000 | 91,179,000 | 100,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,207,000 | 305,664,000 | 318,889,000 | 323,752,000 |
| Interest-bearing deposits | 262,578,000 | 257,751,000 | 272,631,000 | 270,054,000 |
| Noninterest-bearing deposits | 54,629,000 | 47,913,000 | 46,258,000 | 53,698,000 |
| Equity capital | 40,051,000 | 43,792,000 | 49,604,000 | 48,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,120,000 | 12,494,000 | 18,891,000 | 25,282,000 |
| Interest expense | 2,525,000 | 5,040,000 | 7,539,000 | 9,888,000 |
| Net interest income | 3,595,000 | 7,454,000 | 11,352,000 | 15,394,000 |
| Noninterest income | 855,000 | 2,031,000 | 2,945,000 | 3,858,000 |
| Noninterest expense | 2,721,000 | 5,848,000 | 8,934,000 | 11,691,000 |
| Provision for loan losses | 1,150,000 | 2,500,000 | 3,700,000 | 4,750,000 |
| Pretax income | 579,000 | 1,139,000 | 1,891,000 | 3,207,000 |
| Income tax | 138,000 | 256,000 | 446,000 | 868,000 |
| Net income | 441,000 | 883,000 | 1,445,000 | 2,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,193,000 | 43,136,000 | 48,698,000 | 48,092,000 |
| Total capital | 44,274,000 | 48,368,000 | 53,782,000 | 53,179,000 |
| Risk-weighted assets | 405,608,000 | 417,164,000 | 404,959,000 | 404,825,000 |
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