Call reports 2015
CEDAR RAPIDS STATE BANK — 2015
What CEDAR RAPIDS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 38,227,000 | 40,806,000 | 40,137,000 | 41,002,000 |
| Total loans | 32,548,000 | 34,041,000 | 33,488,000 | 33,260,000 |
| Allowance for loan losses | 367,000 | 371,000 | 380,000 | 389,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,290,000 | 4,677,000 | 4,921,000 | 5,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,211,000 | 34,904,000 | 34,316,000 | 34,127,000 |
| Interest-bearing deposits | 27,047,000 | 30,331,000 | 29,922,000 | 29,260,000 |
| Noninterest-bearing deposits | 5,164,000 | 4,573,000 | 4,394,000 | 4,867,000 |
| Equity capital | 3,141,000 | 3,323,000 | 3,451,000 | 3,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 418,000 | 874,000 | 1,332,000 | 1,772,000 |
| Interest expense | 62,000 | 131,000 | 203,000 | 275,000 |
| Net interest income | 356,000 | 743,000 | 1,129,000 | 1,497,000 |
| Noninterest income | 18,000 | 37,000 | 56,000 | 81,000 |
| Noninterest expense | 231,000 | 526,000 | 794,000 | 1,119,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 26,000 |
| Pretax income | 137,000 | 242,000 | 373,000 | 433,000 |
| Income tax | 24,000 | 47,000 | 50,000 | 16,000 |
| Net income | 113,000 | 195,000 | 323,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,141,000 | 3,323,000 | 3,451,000 | 3,520,000 |
| Total capital | 3,508,000 | 3,694,000 | 3,831,000 | 3,909,000 |
| Risk-weighted assets | 32,624,000 | 34,312,000 | 34,512,000 | 35,451,000 |