Call reports 2015
CEDARSTONE BANK — 2015
What CEDARSTONE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 173,374,000 | 170,286,000 | 170,494,000 | 168,147,000 |
| Total loans | 113,596,000 | 110,690,000 | 108,710,000 | 110,143,000 |
| Allowance for loan losses | 1,301,000 | 1,322,000 | 1,337,000 | 1,302,000 |
| Securities available for sale | 43,232,000 | 42,362,000 | 41,985,000 | 39,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,094,000 | 136,174,000 | 139,744,000 | 138,117,000 |
| Interest-bearing deposits | 114,338,000 | 109,986,000 | 113,234,000 | 110,261,000 |
| Noninterest-bearing deposits | 24,755,000 | 26,188,000 | 26,510,000 | 27,856,000 |
| Equity capital | 16,046,000 | 16,099,000 | 17,074,000 | 17,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,715,000 | 3,442,000 | 6,018,000 | 7,716,000 |
| Interest expense | 205,000 | 411,000 | 617,000 | 817,000 |
| Net interest income | 1,510,000 | 3,031,000 | 5,401,000 | 6,899,000 |
| Noninterest income | 161,000 | 277,000 | 411,000 | 550,000 |
| Noninterest expense | 1,245,000 | 2,434,000 | 3,614,000 | 4,867,000 |
| Provision for loan losses | 49,000 | 79,000 | 109,000 | 83,000 |
| Pretax income | 380,000 | 798,000 | 2,092,000 | 2,503,000 |
| Income tax | 149,000 | 316,000 | 831,000 | 985,000 |
| Net income | 231,000 | 482,000 | 1,261,000 | 1,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,331,000 | 15,626,000 | 17,013,000 | 17,271,000 |
| Total capital | 16,644,000 | 16,955,000 | 18,357,000 | 18,577,000 |
| Risk-weighted assets | 115,601,000 | 115,297,000 | 114,379,000 | 114,707,000 |