Call reports 2012
CEDARSTONE BANK — 2012
What CEDARSTONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 162,540,000 | 167,092,000 | 165,794,000 | 164,565,000 |
| Total loans | 105,684,000 | 102,399,000 | 101,954,000 | 103,152,000 |
| Allowance for loan losses | 1,551,000 | 1,638,000 | 1,650,000 | 1,752,000 |
| Securities available for sale | 44,328,000 | 48,667,000 | 49,440,000 | 48,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,832,000 | 134,486,000 | 143,457,000 | 140,545,000 |
| Interest-bearing deposits | 115,232,000 | 117,809,000 | 125,346,000 | 124,204,000 |
| Noninterest-bearing deposits | 13,600,000 | 16,677,000 | 18,112,000 | 16,341,000 |
| Equity capital | 14,024,000 | 15,015,000 | 15,362,000 | 14,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,865,000 | 3,691,000 | 5,558,000 | 7,306,000 |
| Interest expense | 470,000 | 937,000 | 1,375,000 | 1,761,000 |
| Net interest income | 1,395,000 | 2,754,000 | 4,183,000 | 5,545,000 |
| Noninterest income | 78,000 | 67,000 | 171,000 | 266,000 |
| Noninterest expense | 1,115,000 | 2,253,000 | 3,389,000 | 4,833,000 |
| Provision for loan losses | 66,000 | 864,000 | 924,000 | 1,378,000 |
| Pretax income | 292,000 | -296,000 | 41,000 | -400,000 |
| Income tax | 0 | -1,525,000 | -1,391,000 | -1,558,000 |
| Net income | 292,000 | 1,229,000 | 1,432,000 | 1,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,659,000 | 13,489,000 | 13,911,000 | 13,508,000 |
| Total capital | 15,065,000 | 14,848,000 | 15,260,000 | 14,864,000 |
| Risk-weighted assets | 112,281,000 | 108,424,000 | 107,632,000 | 108,050,000 |