Call reports 2006
CEDARSTONE BANK — 2006
What CEDARSTONE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 59,979,000 | 74,647,000 | 80,952,000 | 91,157,000 |
| Total loans | 51,060,000 | 58,054,000 | 67,331,000 | 71,045,000 |
| Allowance for loan losses | 637,000 | 726,000 | 842,000 | 891,000 |
| Securities available for sale | 5,693,000 | 6,989,000 | 8,402,000 | 9,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,489,000 | 68,252,000 | 71,880,000 | 80,009,000 |
| Interest-bearing deposits | 45,268,000 | 62,508,000 | 66,818,000 | 74,389,000 |
| Noninterest-bearing deposits | 7,221,000 | 5,744,000 | 5,062,000 | 5,620,000 |
| Equity capital | 6,055,000 | 5,881,000 | 6,134,000 | 7,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 2,100,000 | 3,537,000 | 5,094,000 |
| Interest expense | 418,000 | 936,000 | 1,631,000 | 2,407,000 |
| Net interest income | 542,000 | 1,164,000 | 1,906,000 | 2,687,000 |
| Noninterest income | 47,000 | 101,000 | 182,000 | 250,000 |
| Noninterest expense | 619,000 | 1,351,000 | 2,092,000 | 2,821,000 |
| Provision for loan losses | 97,000 | 191,000 | 307,000 | 369,000 |
| Pretax income | -127,000 | -287,000 | -321,000 | -263,000 |
| Income tax | 0 | 0 | 0 | -968,000 |
| Net income | -127,000 | -287,000 | -321,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,205,000 | 6,068,000 | 6,222,000 | 6,889,000 |
| Total capital | 6,846,000 | 6,799,000 | 7,069,000 | 7,786,000 |
| Risk-weighted assets | 53,334,000 | 63,079,000 | 72,445,000 | 77,673,000 |
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