Call reports 2013
CEDARSTONE BANK — 2013
What CEDARSTONE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 166,795,000 | 165,484,000 | 171,371,000 | 170,723,000 |
| Total loans | 105,060,000 | 103,534,000 | 109,397,000 | 110,215,000 |
| Allowance for loan losses | 1,771,000 | 1,428,000 | 1,433,000 | 1,455,000 |
| Securities available for sale | 48,232,000 | 46,265,000 | 49,235,000 | 47,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,145,000 | 144,616,000 | 147,610,000 | 143,901,000 |
| Interest-bearing deposits | 127,651,000 | 125,524,000 | 125,447,000 | 123,416,000 |
| Noninterest-bearing deposits | 17,494,000 | 19,092,000 | 22,163,000 | 20,485,000 |
| Equity capital | 14,936,000 | 14,341,000 | 14,353,000 | 14,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,701,000 | 3,393,000 | 5,160,000 | 6,974,000 |
| Interest expense | 351,000 | 681,000 | 996,000 | 1,299,000 |
| Net interest income | 1,350,000 | 2,712,000 | 4,164,000 | 5,675,000 |
| Noninterest income | 125,000 | -83,000 | 3,000 | 116,000 |
| Noninterest expense | 1,187,000 | 2,403,000 | 3,603,000 | 4,910,000 |
| Provision for loan losses | 15,000 | -317,000 | -307,000 | -292,000 |
| Pretax income | 309,000 | 623,000 | 951,000 | 1,254,000 |
| Income tax | 109,000 | 223,000 | 344,000 | 442,000 |
| Net income | 200,000 | 400,000 | 607,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,638,000 | 13,630,000 | 13,694,000 | 13,985,000 |
| Total capital | 15,012,000 | 14,991,000 | 15,097,000 | 15,396,000 |
| Risk-weighted assets | 109,531,000 | 108,753,000 | 112,213,000 | 112,828,000 |