Call reports 2009
CEDAR RAPIDS STATE BANK — 2009
What CEDAR RAPIDS STATE BANK 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 | 26,454,000 | 27,014,000 | 28,863,000 | 27,223,000 |
| Total loans | 18,029,000 | 20,587,000 | 21,915,000 | 21,386,000 |
| Allowance for loan losses | 327,000 | 314,000 | 315,000 | 317,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,846,000 | 4,750,000 | 4,643,000 | 3,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,872,000 | 24,434,000 | 24,327,000 | 23,017,000 |
| Interest-bearing deposits | 21,929,000 | 22,550,000 | 22,357,000 | 20,279,000 |
| Noninterest-bearing deposits | 1,943,000 | 1,884,000 | 1,970,000 | 2,738,000 |
| Equity capital | 2,493,000 | 2,476,000 | 2,513,000 | 2,493,000 |
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 | 405,000 | 792,000 | 1,200,000 | 1,600,000 |
| Interest expense | 175,000 | 351,000 | 520,000 | 673,000 |
| Net interest income | 230,000 | 441,000 | 680,000 | 927,000 |
| Noninterest income | 23,000 | 45,000 | 69,000 | 60,000 |
| Noninterest expense | 208,000 | 434,000 | 656,000 | 885,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 20,000 |
| Pretax income | 45,000 | 32,000 | 73,000 | 82,000 |
| Income tax | 4,000 | 8,000 | 12,000 | -14,000 |
| Net income | 41,000 | 24,000 | 61,000 | 96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,493,000 | 2,476,000 | 2,513,000 | 2,493,000 |
| Total capital | 2,726,000 | 2,722,000 | 2,770,000 | 2,738,000 |
| Risk-weighted assets | 18,184,000 | 19,642,000 | 20,520,000 | 19,551,000 |
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