Call reports 2004
CEDAR VALLEY BANK & TRUST — 2004
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 30,607,000 | 31,376,000 | 32,731,000 | 34,755,000 |
| Total loans | 21,500,000 | 22,978,000 | 22,631,000 | 22,139,000 |
| Allowance for loan losses | 469,000 | 488,000 | 377,000 | 365,000 |
| Securities available for sale | 4,583,000 | 4,758,000 | 5,508,000 | 6,636,000 |
| Securities held to maturity | 460,000 | 440,000 | 440,000 | 440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,685,000 | 25,568,000 | 26,862,000 | 28,585,000 |
| Interest-bearing deposits | 20,950,000 | 22,204,000 | 22,798,000 | 23,147,000 |
| Noninterest-bearing deposits | 3,735,000 | 3,364,000 | 4,064,000 | 5,438,000 |
| Equity capital | 2,664,000 | 2,559,000 | 2,609,000 | 2,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 422,000 | 869,000 | 1,315,000 | 1,763,000 |
| Interest expense | 118,000 | 236,000 | 360,000 | 491,000 |
| Net interest income | 304,000 | 633,000 | 955,000 | 1,272,000 |
| Noninterest income | 37,000 | 76,000 | 104,000 | 147,000 |
| Noninterest expense | 341,000 | 666,000 | 998,000 | 1,326,000 |
| Provision for loan losses | 0 | 20,000 | 60,000 | 72,000 |
| Pretax income | 0 | 23,000 | 1,000 | 26,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 0 | 23,000 | 1,000 | 26,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,532,000 | 2,555,000 | 2,533,000 | 2,858,000 |
| Total capital | 2,804,000 | 2,833,000 | 2,814,000 | 3,144,000 |
| Risk-weighted assets | 21,599,000 | 22,054,000 | 22,404,000 | 22,818,000 |
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