Call reports 2014
CEDAR RAPIDS STATE BANK — 2014
What CEDAR RAPIDS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 34,566,000 | 39,104,000 | 38,007,000 | 37,693,000 |
| Total loans | 25,468,000 | 31,433,000 | 32,414,000 | 31,048,000 |
| Allowance for loan losses | 357,000 | 362,000 | 353,000 | 360,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,926,000 | 5,721,000 | 4,120,000 | 4,390,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,578,000 | 32,613,000 | 30,702,000 | 28,908,000 |
| Interest-bearing deposits | 26,585,000 | 27,182,000 | 26,185,000 | 24,362,000 |
| Noninterest-bearing deposits | 4,993,000 | 5,431,000 | 4,517,000 | 4,546,000 |
| Equity capital | 2,910,000 | 2,927,000 | 3,044,000 | 3,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 422,000 | 825,000 | 1,262,000 | 1,687,000 |
| Interest expense | 76,000 | 156,000 | 233,000 | 305,000 |
| Net interest income | 346,000 | 669,000 | 1,029,000 | 1,382,000 |
| Noninterest income | 16,000 | 34,000 | 50,000 | 71,000 |
| Noninterest expense | 224,000 | 475,000 | 704,000 | 969,000 |
| Provision for loan losses | 4,000 | 8,000 | 14,000 | 20,000 |
| Pretax income | 134,000 | 220,000 | 361,000 | 464,000 |
| Income tax | 22,000 | 41,000 | 65,000 | 109,000 |
| Net income | 112,000 | 179,000 | 296,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,910,000 | 2,927,000 | 3,044,000 | 3,028,000 |
| Total capital | 3,262,000 | 3,289,000 | 3,397,000 | 3,388,000 |
| Risk-weighted assets | 28,189,000 | 32,696,000 | 33,122,000 | 31,996,000 |