Call reports 2020
CEDARSTONE BANK — 2020
What CEDARSTONE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 220,783,000 | 255,287,000 | 261,411,000 | 255,643,000 |
| Total loans | 160,089,000 | 173,940,000 | 174,755,000 | 173,279,000 |
| Allowance for loan losses | 1,359,000 | 1,409,000 | 1,491,000 | 1,710,000 |
| Securities available for sale | 41,218,000 | 50,799,000 | 48,720,000 | 46,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,232,000 | 189,621,000 | 194,655,000 | 196,535,000 |
| Interest-bearing deposits | 136,148,000 | 137,546,000 | 142,667,000 | 147,559,000 |
| Noninterest-bearing deposits | 41,084,000 | 52,075,000 | 51,988,000 | 48,976,000 |
| Equity capital | 22,976,000 | 23,341,000 | 23,897,000 | 24,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,285,000 | 4,666,000 | 7,033,000 | 9,490,000 |
| Interest expense | 490,000 | 905,000 | 1,318,000 | 1,693,000 |
| Net interest income | 1,795,000 | 3,761,000 | 5,715,000 | 7,797,000 |
| Noninterest income | 177,000 | 360,000 | 557,000 | 745,000 |
| Noninterest expense | 1,350,000 | 2,692,000 | 4,082,000 | 5,491,000 |
| Provision for loan losses | 80,000 | 200,000 | 330,000 | 560,000 |
| Pretax income | 542,000 | 1,229,000 | 1,860,000 | 2,491,000 |
| Income tax | 75,000 | 227,000 | 356,000 | 489,000 |
| Net income | 467,000 | 1,002,000 | 1,504,000 | 2,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,634,000 | 22,798,000 | 23,301,000 | 23,799,000 |
| Total capital | 24,004,000 | 24,222,000 | 24,807,000 | 25,524,000 |
| Risk-weighted assets | 155,235,000 | 173,848,000 | 175,037,000 | 166,899,000 |