Call reports 2017
CEDARSTONE BANK — 2017
What CEDARSTONE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 180,201,000 | 190,432,000 | 192,167,000 | 193,973,000 |
| Total loans | 126,389,000 | 129,042,000 | 130,124,000 | 133,792,000 |
| Allowance for loan losses | 1,305,000 | 1,312,000 | 1,140,000 | 1,134,000 |
| Securities available for sale | 38,595,000 | 46,119,000 | 45,133,000 | 43,687,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,895,000 | 148,459,000 | 150,666,000 | 153,843,000 |
| Interest-bearing deposits | 112,891,000 | 110,246,000 | 113,083,000 | 112,622,000 |
| Noninterest-bearing deposits | 32,004,000 | 38,213,000 | 37,583,000 | 41,221,000 |
| Equity capital | 17,993,000 | 18,233,000 | 18,676,000 | 19,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,794,000 | 3,646,000 | 5,574,000 | 7,499,000 |
| Interest expense | 209,000 | 428,000 | 686,000 | 955,000 |
| Net interest income | 1,585,000 | 3,218,000 | 4,888,000 | 6,544,000 |
| Noninterest income | 126,000 | 260,000 | 399,000 | 539,000 |
| Noninterest expense | 1,253,000 | 2,518,000 | 3,755,000 | 5,058,000 |
| Provision for loan losses | 0 | 6,000 | 57,000 | 57,000 |
| Pretax income | 459,000 | 955,000 | 1,477,000 | 1,970,000 |
| Income tax | 160,000 | 334,000 | 491,000 | 618,000 |
| Net income | 299,000 | 621,000 | 986,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,506,000 | 18,598,000 | 18,963,000 | 19,329,000 |
| Total capital | 19,816,000 | 19,915,000 | 20,111,000 | 20,471,000 |
| Risk-weighted assets | 125,238,000 | 129,630,000 | 130,555,000 | 134,455,000 |