Call reports 2011
CEDARSTONE BANK — 2011
What CEDARSTONE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 149,264,000 | 148,715,000 | 153,439,000 | 156,321,000 |
| Total loans | 108,685,000 | 107,204,000 | 106,719,000 | 106,795,000 |
| Allowance for loan losses | 2,075,000 | 2,100,000 | 1,637,000 | 1,710,000 |
| Securities available for sale | 31,806,000 | 32,499,000 | 35,926,000 | 39,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,631,000 | 118,332,000 | 122,526,000 | 123,403,000 |
| Interest-bearing deposits | 108,452,000 | 107,727,000 | 110,556,000 | 112,038,000 |
| Noninterest-bearing deposits | 10,179,000 | 10,605,000 | 11,970,000 | 11,365,000 |
| Equity capital | 12,993,000 | 13,225,000 | 13,785,000 | 13,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,864,000 | 3,740,000 | 5,597,000 | 7,478,000 |
| Interest expense | 571,000 | 1,125,000 | 1,636,000 | 2,139,000 |
| Net interest income | 1,293,000 | 2,615,000 | 3,961,000 | 5,339,000 |
| Noninterest income | 62,000 | 151,000 | 229,000 | 323,000 |
| Noninterest expense | 1,075,000 | 2,185,000 | 3,250,000 | 4,314,000 |
| Provision for loan losses | 74,000 | 231,000 | 319,000 | 689,000 |
| Pretax income | 206,000 | 444,000 | 715,000 | 1,001,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 206,000 | 444,000 | 715,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,766,000 | 12,955,000 | 13,177,000 | 13,397,000 |
| Total capital | 14,147,000 | 14,313,000 | 14,550,000 | 14,785,000 |
| Risk-weighted assets | 109,814,000 | 107,911,000 | 109,583,000 | 110,674,000 |