Call reports 2025
CEDARSTONE BANK — 2025
What CEDARSTONE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 353,463,000 | 354,925,000 | 357,614,000 | 369,248,000 |
| Total loans | 264,533,000 | 274,026,000 | 279,173,000 | 290,453,000 |
| Allowance for loan losses | 1,508,000 | 1,397,000 | 1,468,000 | 1,499,000 |
| Securities available for sale | 49,570,000 | 47,572,000 | 46,549,000 | 46,406,000 |
| Securities held to maturity | 8,061,000 | 7,920,000 | 7,788,000 | 7,656,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,880,000 | 305,342,000 | 308,843,000 | 311,239,000 |
| Interest-bearing deposits | 244,318,000 | 252,148,000 | 253,203,000 | 255,495,000 |
| Noninterest-bearing deposits | 55,562,000 | 53,194,000 | 55,640,000 | 55,744,000 |
| Equity capital | 28,612,000 | 28,515,000 | 29,589,000 | 31,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,540,000 | 9,151,000 | 13,929,000 | 18,780,000 |
| Interest expense | 2,184,000 | 4,370,000 | 6,553,000 | 8,820,000 |
| Net interest income | 2,356,000 | 4,781,000 | 7,376,000 | 9,960,000 |
| Noninterest income | 235,000 | 506,000 | 787,000 | 1,675,000 |
| Noninterest expense | 1,953,000 | 3,948,000 | 5,962,000 | 8,100,000 |
| Provision for loan losses | -104,000 | -67,000 | 11,000 | 106,000 |
| Pretax income | 638,000 | 1,288,000 | 2,070,000 | 3,309,000 |
| Income tax | 162,000 | 255,000 | 477,000 | 458,000 |
| Net income | 476,000 | 1,033,000 | 1,593,000 | 2,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,965,000 | 30,846,000 | 31,407,000 | 32,665,000 |
| Total capital | 32,594,000 | 32,378,000 | 33,012,000 | 34,302,000 |
| Risk-weighted assets | 268,718,000 | 288,014,000 | 276,468,000 | 304,679,000 |