Call reports 2022
CEDARSTONE BANK — 2022
What CEDARSTONE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 271,363,000 | 266,396,000 | 266,437,000 | 269,252,000 |
| Total loans | 168,947,000 | 170,917,000 | 174,653,000 | 178,373,000 |
| Allowance for loan losses | 2,126,000 | 2,064,000 | 1,056,000 | 1,003,000 |
| Securities available for sale | 55,023,000 | 54,601,000 | 43,474,000 | 58,141,000 |
| Securities held to maturity | 9,865,000 | 9,599,000 | 9,313,000 | 9,177,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,115,000 | 221,118,000 | 221,539,000 | 219,837,000 |
| Interest-bearing deposits | 161,023,000 | 153,205,000 | 150,308,000 | 158,685,000 |
| Noninterest-bearing deposits | 64,092,000 | 67,913,000 | 71,231,000 | 61,152,000 |
| Equity capital | 25,619,000 | 24,553,000 | 24,144,000 | 25,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,160,000 | 4,406,000 | 6,829,000 | 9,542,000 |
| Interest expense | 202,000 | 381,000 | 631,000 | 1,142,000 |
| Net interest income | 1,958,000 | 4,025,000 | 6,198,000 | 8,400,000 |
| Noninterest income | 205,000 | 454,000 | 714,000 | 948,000 |
| Noninterest expense | 1,485,000 | 3,029,000 | 4,563,000 | 6,315,000 |
| Provision for loan losses | 0 | 0 | -1,008,000 | -1,008,000 |
| Pretax income | 678,000 | 1,450,000 | 2,318,000 | 3,078,000 |
| Income tax | 147,000 | 313,000 | 340,000 | 450,000 |
| Net income | 531,000 | 1,137,000 | 1,978,000 | 2,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,242,000 | 26,337,000 | 26,979,000 | 27,629,000 |
| Total capital | 28,385,000 | 28,418,000 | 28,052,000 | 28,649,000 |
| Risk-weighted assets | 180,050,000 | 179,950,000 | 187,860,000 | 192,247,000 |