Call reports 2010
CEDARSTONE BANK — 2010
What CEDARSTONE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 146,601,000 | 148,220,000 | 148,197,000 | 145,615,000 |
| Total loans | 112,587,000 | 110,961,000 | 110,864,000 | 110,691,000 |
| Allowance for loan losses | 1,804,000 | 1,875,000 | 1,940,000 | 2,001,000 |
| Securities available for sale | 23,251,000 | 25,047,000 | 27,865,000 | 26,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,033,000 | 117,696,000 | 117,529,000 | 115,865,000 |
| Interest-bearing deposits | 104,910,000 | 106,278,000 | 105,080,000 | 105,169,000 |
| Noninterest-bearing deposits | 11,123,000 | 11,418,000 | 12,449,000 | 10,696,000 |
| Equity capital | 12,511,000 | 12,813,000 | 12,900,000 | 12,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,922,000 | 3,860,000 | 5,776,000 | 7,697,000 |
| Interest expense | 711,000 | 1,406,000 | 2,069,000 | 2,703,000 |
| Net interest income | 1,211,000 | 2,454,000 | 3,707,000 | 4,994,000 |
| Noninterest income | 68,000 | 141,000 | 195,000 | 265,000 |
| Noninterest expense | 1,034,000 | 2,071,000 | 3,122,000 | 4,200,000 |
| Provision for loan losses | 377,000 | 471,000 | 558,000 | 646,000 |
| Pretax income | 176,000 | 361,000 | 561,000 | 752,000 |
| Income tax | 49,000 | 57,000 | 57,000 | 57,000 |
| Net income | 127,000 | 304,000 | 504,000 | 695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,187,000 | 12,315,000 | 12,467,000 | 12,609,000 |
| Total capital | 13,640,000 | 13,748,000 | 13,878,000 | 14,015,000 |
| Risk-weighted assets | 115,867,000 | 114,217,000 | 112,364,000 | 111,865,000 |