Call reports 2018
CEDARSTONE BANK — 2018
What CEDARSTONE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 197,598,000 | 199,647,000 | 200,240,000 | 202,208,000 |
| Total loans | 138,161,000 | 140,991,000 | 143,324,000 | 148,612,000 |
| Allowance for loan losses | 1,173,000 | 1,264,000 | 1,294,000 | 1,318,000 |
| Securities available for sale | 41,426,000 | 40,128,000 | 38,400,000 | 37,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,838,000 | 160,010,000 | 157,995,000 | 159,351,000 |
| Interest-bearing deposits | 121,857,000 | 123,569,000 | 121,789,000 | 125,788,000 |
| Noninterest-bearing deposits | 36,981,000 | 36,441,000 | 36,206,000 | 33,563,000 |
| Equity capital | 19,074,000 | 19,154,000 | 19,376,000 | 20,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,998,000 | 4,110,000 | 6,228,000 | 8,370,000 |
| Interest expense | 293,000 | 611,000 | 978,000 | 1,414,000 |
| Net interest income | 1,705,000 | 3,499,000 | 5,250,000 | 6,956,000 |
| Noninterest income | 140,000 | 289,000 | 456,000 | 636,000 |
| Noninterest expense | 1,288,000 | 2,590,000 | 3,884,000 | 5,289,000 |
| Provision for loan losses | 51,000 | 148,000 | 223,000 | 230,000 |
| Pretax income | 506,000 | 1,050,000 | 1,599,000 | 2,073,000 |
| Income tax | 110,000 | 233,000 | 354,000 | 451,000 |
| Net income | 396,000 | 817,000 | 1,245,000 | 1,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,725,000 | 19,878,000 | 20,306,000 | 20,683,000 |
| Total capital | 20,906,000 | 21,150,000 | 21,608,000 | 22,003,000 |
| Risk-weighted assets | 136,973,000 | 138,522,000 | 139,648,000 | 141,936,000 |