Call reports 2019
CEDARSTONE BANK — 2019
What CEDARSTONE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 204,594,000 | 206,234,000 | 207,445,000 | 206,877,000 |
| Total loans | 151,496,000 | 152,652,000 | 156,893,000 | 156,632,000 |
| Allowance for loan losses | 1,346,000 | 1,278,000 | 1,287,000 | 1,271,000 |
| Securities available for sale | 37,425,000 | 36,729,000 | 35,715,000 | 34,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,844,000 | 161,492,000 | 161,460,000 | 164,640,000 |
| Interest-bearing deposits | 128,043,000 | 124,975,000 | 121,933,000 | 125,189,000 |
| Noninterest-bearing deposits | 32,801,000 | 36,517,000 | 39,527,000 | 39,451,000 |
| Equity capital | 20,805,000 | 21,181,000 | 21,771,000 | 22,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,234,000 | 4,473,000 | 6,762,000 | 9,052,000 |
| Interest expense | 499,000 | 1,017,000 | 1,537,000 | 2,025,000 |
| Net interest income | 1,735,000 | 3,456,000 | 5,225,000 | 7,027,000 |
| Noninterest income | 180,000 | 371,000 | 579,000 | 782,000 |
| Noninterest expense | 1,306,000 | 2,621,000 | 3,990,000 | 5,396,000 |
| Provision for loan losses | 32,000 | 65,000 | 76,000 | 86,000 |
| Pretax income | 577,000 | 1,141,000 | 1,738,000 | 2,327,000 |
| Income tax | 132,000 | 260,000 | 391,000 | 524,000 |
| Net income | 445,000 | 881,000 | 1,347,000 | 1,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,128,000 | 21,244,000 | 21,710,000 | 22,166,000 |
| Total capital | 22,478,000 | 22,526,000 | 23,001,000 | 23,439,000 |
| Risk-weighted assets | 146,269,000 | 147,204,000 | 149,246,000 | 149,409,000 |