Call reports 2020
CEDAR RAPIDS STATE BANK — 2020
What CEDAR RAPIDS STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 53,032,000 | 51,446,000 | 56,958,000 | 52,947,000 |
| Total loans | 44,932,000 | 43,409,000 | 47,834,000 | 43,925,000 |
| Allowance for loan losses | 345,000 | 359,000 | 375,000 | 390,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,892,000 | 2,601,000 | 2,820,000 | 2,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,666,000 | 45,212,000 | 52,103,000 | 47,964,000 |
| Interest-bearing deposits | 40,632,000 | 39,555,000 | 46,468,000 | 42,260,000 |
| Noninterest-bearing deposits | 5,034,000 | 5,657,000 | 5,635,000 | 5,704,000 |
| Equity capital | 4,451,000 | 4,656,000 | 4,739,000 | 4,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 584,000 | 1,208,000 | 1,817,000 | 2,412,000 |
| Interest expense | 172,000 | 328,000 | 469,000 | 606,000 |
| Net interest income | 412,000 | 880,000 | 1,348,000 | 1,806,000 |
| Noninterest income | 79,000 | 217,000 | 315,000 | 457,000 |
| Noninterest expense | 360,000 | 696,000 | 1,066,000 | 1,436,000 |
| Provision for loan losses | 12,000 | 27,000 | 42,000 | 57,000 |
| Pretax income | 119,000 | 374,000 | 555,000 | 770,000 |
| Income tax | 4,000 | 8,000 | 11,000 | 22,000 |
| Net income | 115,000 | 366,000 | 544,000 | 748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,452,000 | 4,656,000 | 4,739,000 | 4,868,000 |
| Total capital | 4,797,000 | 5,015,000 | 5,114,000 | 5,258,000 |
| Risk-weighted assets | 40,355,000 | 38,597,000 | 41,468,000 | 39,009,000 |