Call reports 2016
CEDARSTONE BANK — 2016
What CEDARSTONE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 169,256,000 | 166,008,000 | 177,351,000 | 177,048,000 |
| Total loans | 113,972,000 | 113,783,000 | 116,492,000 | 121,349,000 |
| Allowance for loan losses | 1,324,000 | 1,316,000 | 1,336,000 | 1,309,000 |
| Securities available for sale | 38,897,000 | 37,372,000 | 41,944,000 | 39,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,651,000 | 134,860,000 | 143,446,000 | 140,372,000 |
| Interest-bearing deposits | 112,043,000 | 103,242,000 | 107,616,000 | 107,299,000 |
| Noninterest-bearing deposits | 30,608,000 | 31,618,000 | 35,830,000 | 33,073,000 |
| Equity capital | 17,588,000 | 17,757,000 | 17,937,000 | 17,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,719,000 | 3,452,000 | 5,208,000 | 6,989,000 |
| Interest expense | 203,000 | 402,000 | 613,000 | 818,000 |
| Net interest income | 1,516,000 | 3,050,000 | 4,595,000 | 6,171,000 |
| Noninterest income | 118,000 | 240,000 | 372,000 | 491,000 |
| Noninterest expense | 1,232,000 | 2,515,000 | 3,732,000 | 4,971,000 |
| Provision for loan losses | 0 | 0 | 18,000 | 0 |
| Pretax income | 412,000 | 785,000 | 1,227,000 | 1,701,000 |
| Income tax | 155,000 | 293,000 | 426,000 | 573,000 |
| Net income | 257,000 | 492,000 | 801,000 | 1,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,528,000 | 17,572,000 | 17,880,000 | 18,207,000 |
| Total capital | 18,856,000 | 18,890,000 | 19,216,000 | 19,516,000 |
| Risk-weighted assets | 116,040,000 | 115,052,000 | 117,253,000 | 120,179,000 |