Call reports 2016
CEDAR RAPIDS STATE BANK — 2016
What CEDAR RAPIDS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 40,232,000 | 40,978,000 | 41,745,000 | 42,096,000 |
| Total loans | 32,418,000 | 34,332,000 | 34,708,000 | 32,799,000 |
| Allowance for loan losses | 399,000 | 403,000 | 406,000 | 402,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,673,000 | 5,205,000 | 5,384,000 | 7,190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,787,000 | 35,737,000 | 36,745,000 | 36,278,000 |
| Interest-bearing deposits | 31,315,000 | 30,869,000 | 32,031,000 | 31,990,000 |
| Noninterest-bearing deposits | 5,472,000 | 4,868,000 | 4,714,000 | 4,288,000 |
| Equity capital | 3,406,000 | 3,523,000 | 3,663,000 | 3,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 929,000 | 1,405,000 | 1,865,000 |
| Interest expense | 73,000 | 147,000 | 223,000 | 303,000 |
| Net interest income | 373,000 | 782,000 | 1,182,000 | 1,562,000 |
| Noninterest income | 26,000 | 53,000 | 84,000 | 120,000 |
| Noninterest expense | 287,000 | 563,000 | 811,000 | 1,084,000 |
| Provision for loan losses | 9,000 | 12,000 | 15,000 | 18,000 |
| Pretax income | 103,000 | 260,000 | 440,000 | 580,000 |
| Income tax | 57,000 | 62,000 | 67,000 | 70,000 |
| Net income | 46,000 | 198,000 | 373,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,406,000 | 3,523,000 | 3,663,000 | 3,765,000 |
| Total capital | 3,805,000 | 3,926,000 | 4,069,000 | 4,167,000 |
| Risk-weighted assets | 34,534,000 | 34,719,000 | 33,975,000 | 34,053,000 |