Call reports 2008
CEDARSTONE BANK — 2008
What CEDARSTONE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 133,028,000 | 140,639,000 | 147,709,000 | 147,802,000 |
| Total loans | 104,106,000 | 103,665,000 | 108,282,000 | 108,741,000 |
| Allowance for loan losses | 1,039,000 | 1,063,000 | 1,249,000 | 1,273,000 |
| Securities available for sale | 16,402,000 | 24,410,000 | 26,796,000 | 27,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,901,000 | 112,372,000 | 119,390,000 | 119,159,000 |
| Interest-bearing deposits | 98,620,000 | 103,922,000 | 110,418,000 | 110,508,000 |
| Noninterest-bearing deposits | 9,281,000 | 8,450,000 | 8,972,000 | 8,651,000 |
| Equity capital | 12,712,000 | 11,893,000 | 11,590,000 | 11,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,129,000 | 4,112,000 | 6,201,000 | 8,270,000 |
| Interest expense | 1,157,000 | 2,249,000 | 3,354,000 | 4,470,000 |
| Net interest income | 972,000 | 1,863,000 | 2,847,000 | 3,800,000 |
| Noninterest income | 104,000 | 170,000 | -111,000 | -5,000 |
| Noninterest expense | 938,000 | 1,978,000 | 2,960,000 | 3,978,000 |
| Provision for loan losses | 66,000 | 868,000 | 1,368,000 | 1,610,000 |
| Pretax income | 72,000 | -712,000 | -1,491,000 | -1,471,000 |
| Income tax | 29,000 | -284,000 | -580,000 | -572,000 |
| Net income | 43,000 | -428,000 | -911,000 | -899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,024,000 | 11,116,000 | 10,637,000 | 10,424,000 |
| Total capital | 13,073,000 | 12,190,000 | 11,898,000 | 11,708,000 |
| Risk-weighted assets | 117,404,000 | 117,879,000 | 118,808,000 | 116,196,000 |
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