Call reports 2004
CEDARSTONE BANK — 2004
What CEDARSTONE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Total assets | 15,637,000 | 23,920,000 | 32,411,000 |
| Total loans | 3,059,000 | 7,131,000 | 17,477,000 |
| Allowance for loan losses | 38,000 | 89,000 | 227,000 |
| Securities available for sale | 3,909,000 | 4,645,000 | 6,744,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 8,287,000 | 16,735,000 | 25,588,000 |
| Interest-bearing deposits | 7,376,000 | 15,354,000 | 22,782,000 |
| Noninterest-bearing deposits | 911,000 | 1,381,000 | 2,806,000 |
| Equity capital | 7,318,000 | 7,136,000 | 6,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Interest income | 44,000 | 217,000 | 527,000 |
| Interest expense | 20,000 | 79,000 | 185,000 |
| Net interest income | 24,000 | 138,000 | 342,000 |
| Noninterest income | 7,000 | 29,000 | 41,000 |
| Noninterest expense | 554,000 | 1,015,000 | 1,477,000 |
| Provision for loan losses | 38,000 | 89,000 | 227,000 |
| Pretax income | -561,000 | -938,000 | -1,323,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -561,000 | -938,000 | -1,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Tier 1 capital | 7,368,000 | 7,086,000 | 6,718,000 |
| Total capital | 7,406,000 | 7,175,000 | 6,945,000 |
| Risk-weighted assets | 6,134,000 | 9,753,000 | 20,177,000 |
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