Call reports 2014
CEDARSTONE BANK — 2014
What CEDARSTONE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 168,207,000 | 166,600,000 | 168,884,000 | 170,605,000 |
| Total loans | 107,120,000 | 108,013,000 | 108,753,000 | 110,252,000 |
| Allowance for loan losses | 1,455,000 | 1,345,000 | 1,356,000 | 1,263,000 |
| Securities available for sale | 47,692,000 | 42,107,000 | 45,755,000 | 44,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,360,000 | 139,774,000 | 141,704,000 | 136,904,000 |
| Interest-bearing deposits | 120,610,000 | 118,356,000 | 118,331,000 | 113,642,000 |
| Noninterest-bearing deposits | 18,750,000 | 21,418,000 | 23,373,000 | 23,262,000 |
| Equity capital | 14,782,000 | 15,164,000 | 15,347,000 | 15,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,445,000 | 5,133,000 | 6,878,000 |
| Interest expense | 266,000 | 525,000 | 752,000 | 967,000 |
| Net interest income | 1,450,000 | 2,920,000 | 4,381,000 | 5,911,000 |
| Noninterest income | 110,000 | 247,000 | 393,000 | 402,000 |
| Noninterest expense | 1,219,000 | 2,615,000 | 3,843,000 | 5,127,000 |
| Provision for loan losses | 12,000 | 44,000 | 62,000 | -6,000 |
| Pretax income | 329,000 | 719,000 | 1,105,000 | 1,428,000 |
| Income tax | 121,000 | 268,000 | 432,000 | 583,000 |
| Net income | 208,000 | 451,000 | 673,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,312,000 | 14,544,000 | 14,931,000 | 15,104,000 |
| Total capital | 15,698,000 | 15,893,000 | 16,295,000 | 16,375,000 |
| Risk-weighted assets | 110,785,000 | 112,118,000 | 111,805,000 | 113,786,000 |