Call reports 2008
CEDAR RAPIDS STATE BANK — 2008
What CEDAR RAPIDS STATE BANK 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 | 26,009,000 | 25,863,000 | 26,069,000 | 25,805,000 |
| Total loans | 16,416,000 | 18,319,000 | 18,320,000 | 19,096,000 |
| Allowance for loan losses | 441,000 | 356,000 | 302,000 | 326,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,561,000 | 3,211,000 | 3,614,000 | 3,619,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,226,000 | 23,230,000 | 23,471,000 | 23,267,000 |
| Interest-bearing deposits | 21,223,000 | 21,313,000 | 21,580,000 | 21,027,000 |
| Noninterest-bearing deposits | 2,003,000 | 1,917,000 | 1,891,000 | 2,240,000 |
| Equity capital | 2,544,000 | 2,504,000 | 2,476,000 | 2,452,000 |
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 | 421,000 | 781,000 | 1,156,000 | 1,538,000 |
| Interest expense | 218,000 | 420,000 | 611,000 | 802,000 |
| Net interest income | 203,000 | 361,000 | 545,000 | 736,000 |
| Noninterest income | 45,000 | 77,000 | 107,000 | 136,000 |
| Noninterest expense | 252,000 | 501,000 | 734,000 | 1,005,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | -4,000 | -63,000 | -82,000 | -143,000 |
| Income tax | 5,000 | -14,000 | 16,000 | -71,000 |
| Net income | -9,000 | -49,000 | -98,000 | -72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,544,000 | 2,504,000 | 2,476,000 | 2,452,000 |
| Total capital | 2,760,000 | 2,740,000 | 2,710,000 | 2,689,000 |
| Risk-weighted assets | 17,066,000 | 18,750,000 | 18,667,000 | 18,840,000 |
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