Call reports 2021
CEDARSTONE BANK — 2021
What CEDARSTONE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 268,335,000 | 250,511,000 | 252,952,000 | 265,030,000 |
| Total loans | 171,233,000 | 162,579,000 | 161,055,000 | 166,020,000 |
| Allowance for loan losses | 1,967,000 | 2,127,000 | 2,126,000 | 2,130,000 |
| Securities available for sale | 49,065,000 | 53,954,000 | 57,359,000 | 57,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,542,000 | 203,785,000 | 206,024,000 | 217,791,000 |
| Interest-bearing deposits | 157,838,000 | 148,432,000 | 148,282,000 | 160,014,000 |
| Noninterest-bearing deposits | 60,704,000 | 55,353,000 | 57,742,000 | 57,777,000 |
| Equity capital | 24,928,000 | 25,402,000 | 25,796,000 | 26,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,449,000 | 4,808,000 | 7,306,000 | 9,450,000 |
| Interest expense | 325,000 | 610,000 | 870,000 | 1,086,000 |
| Net interest income | 2,124,000 | 4,198,000 | 6,436,000 | 8,364,000 |
| Noninterest income | 264,000 | 530,000 | 805,000 | 1,069,000 |
| Noninterest expense | 1,429,000 | 2,894,000 | 4,483,000 | 5,978,000 |
| Provision for loan losses | 282,000 | 437,000 | 437,000 | 437,000 |
| Pretax income | 677,000 | 1,397,000 | 2,321,000 | 3,018,000 |
| Income tax | 143,000 | 306,000 | 594,000 | 658,000 |
| Net income | 534,000 | 1,091,000 | 1,727,000 | 2,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,333,000 | 24,442,000 | 25,078,000 | 25,712,000 |
| Total capital | 26,315,000 | 26,496,000 | 27,202,000 | 27,859,000 |
| Risk-weighted assets | 162,748,000 | 164,258,000 | 169,975,000 | 176,194,000 |