Call reports 2007
CEDARSTONE BANK — 2007
What CEDARSTONE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 99,852,000 | 106,964,000 | 120,119,000 | 127,197,000 |
| Total loans | 78,314,000 | 83,660,000 | 88,819,000 | 97,299,000 |
| Allowance for loan losses | 979,000 | 953,000 | 946,000 | 975,000 |
| Securities available for sale | 9,129,000 | 11,678,000 | 20,483,000 | 20,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,580,000 | 94,178,000 | 103,323,000 | 101,546,000 |
| Interest-bearing deposits | 80,655,000 | 86,408,000 | 95,431,000 | 93,709,000 |
| Noninterest-bearing deposits | 6,925,000 | 7,770,000 | 7,892,000 | 7,837,000 |
| Equity capital | 8,274,000 | 9,267,000 | 11,031,000 | 12,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,642,000 | 3,471,000 | 5,498,000 | 7,612,000 |
| Interest expense | 820,000 | 1,793,000 | 2,906,000 | 4,089,000 |
| Net interest income | 822,000 | 1,678,000 | 2,592,000 | 3,523,000 |
| Noninterest income | 95,000 | 182,000 | 258,000 | 364,000 |
| Noninterest expense | 791,000 | 1,672,000 | 2,572,000 | 3,487,000 |
| Provision for loan losses | 91,000 | 91,000 | 91,000 | 131,000 |
| Pretax income | 35,000 | 97,000 | 187,000 | 269,000 |
| Income tax | 14,000 | 40,000 | 76,000 | 109,000 |
| Net income | 21,000 | 57,000 | 111,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,538,000 | 8,647,000 | 10,259,000 | 11,923,000 |
| Total capital | 8,524,000 | 9,608,000 | 11,214,000 | 12,907,000 |
| Risk-weighted assets | 84,921,000 | 92,166,000 | 101,167,000 | 110,424,000 |
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