Call reports 2012
CEDAR RAPIDS BANK AND TRUST COMPANY — 2012
What CEDAR RAPIDS BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 566,246,000 | 581,059,000 | 587,059,000 | 625,937,000 |
| Total loans | 342,795,000 | 347,145,000 | 361,577,000 | 375,001,000 |
| Allowance for loan losses | 6,759,000 | 6,422,000 | 6,973,000 | 7,447,000 |
| Securities available for sale | 166,413,000 | 178,791,000 | 163,690,000 | 116,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 52,624,000 |
| Trading assets | 2,179,000 | 2,636,000 | 2,870,000 | 3,025,000 |
| Total deposits | 371,934,000 | 381,874,000 | 397,256,000 | 430,300,000 |
| Interest-bearing deposits | 310,074,000 | 323,522,000 | 330,040,000 | 335,790,000 |
| Noninterest-bearing deposits | 61,860,000 | 58,352,000 | 67,216,000 | 94,510,000 |
| Equity capital | 53,819,000 | 49,451,000 | 50,534,000 | 51,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,463,000 | 10,988,000 | 16,559,000 | 22,109,000 |
| Interest expense | 1,695,000 | 3,324,000 | 4,867,000 | 6,392,000 |
| Net interest income | 3,768,000 | 7,664,000 | 11,692,000 | 15,717,000 |
| Noninterest income | 1,365,000 | 2,603,000 | 3,970,000 | 5,540,000 |
| Noninterest expense | 3,075,000 | 6,042,000 | 9,100,000 | 12,188,000 |
| Provision for loan losses | 350,000 | 575,000 | 875,000 | 1,275,000 |
| Pretax income | 1,708,000 | 3,650,000 | 5,687,000 | 7,794,000 |
| Income tax | 427,000 | 923,000 | 1,403,000 | 1,913,000 |
| Net income | 1,281,000 | 2,727,000 | 4,284,000 | 5,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,696,000 | 48,142,000 | 48,700,000 | 50,297,000 |
| Total capital | 57,647,000 | 53,166,000 | 53,832,000 | 55,736,000 |
| Risk-weighted assets | 394,269,000 | 400,545,000 | 408,680,000 | 433,149,000 |