Call reports 2009
CEDARSTONE BANK — 2009
What CEDARSTONE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 148,725,000 | 150,094,000 | 147,256,000 | 148,711,000 |
| Total loans | 111,049,000 | 110,809,000 | 110,546,000 | 112,463,000 |
| Allowance for loan losses | 1,435,000 | 1,402,000 | 1,422,000 | 1,435,000 |
| Securities available for sale | 26,924,000 | 27,313,000 | 27,633,000 | 25,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,790,000 | 122,909,000 | 117,011,000 | 118,201,000 |
| Interest-bearing deposits | 110,696,000 | 111,357,000 | 106,356,000 | 107,302,000 |
| Noninterest-bearing deposits | 10,094,000 | 11,552,000 | 10,655,000 | 10,899,000 |
| Equity capital | 12,042,000 | 12,403,000 | 12,698,000 | 12,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,964,000 | 3,956,000 | 5,952,000 | 7,964,000 |
| Interest expense | 1,040,000 | 2,039,000 | 2,965,000 | 3,800,000 |
| Net interest income | 924,000 | 1,917,000 | 2,987,000 | 4,164,000 |
| Noninterest income | 25,000 | 103,000 | 170,000 | 256,000 |
| Noninterest expense | 1,090,000 | 2,134,000 | 3,137,000 | 4,192,000 |
| Provision for loan losses | 1,888,000 | 1,888,000 | 1,951,000 | 2,143,000 |
| Pretax income | -2,469,000 | -2,442,000 | -2,371,000 | -2,355,000 |
| Income tax | 1,181,000 | 1,180,000 | 1,180,000 | 1,180,000 |
| Net income | -3,650,000 | -3,622,000 | -3,551,000 | -3,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,638,000 | 12,098,000 | 12,140,000 | 12,108,000 |
| Total capital | 13,080,000 | 13,508,000 | 13,571,000 | 13,553,000 |
| Risk-weighted assets | 117,725,000 | 117,029,000 | 114,926,000 | 117,100,000 |
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