Call reports 2005
CEDAR VALLEY BANK & TRUST — 2005
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 34,037,000 | 32,594,000 | 34,207,000 | 33,912,000 |
| Total loans | 21,265,000 | 22,472,000 | 22,693,000 | 23,183,000 |
| Allowance for loan losses | 365,000 | 365,000 | 371,000 | 312,000 |
| Securities available for sale | 7,834,000 | 6,849,000 | 6,770,000 | 6,614,000 |
| Securities held to maturity | 440,000 | 420,000 | 420,000 | 420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,969,000 | 26,370,000 | 27,954,000 | 27,625,000 |
| Interest-bearing deposits | 23,185,000 | 22,198,000 | 23,571,000 | 22,059,000 |
| Noninterest-bearing deposits | 4,784,000 | 4,172,000 | 4,383,000 | 5,566,000 |
| Equity capital | 2,816,000 | 2,943,000 | 2,970,000 | 3,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 466,000 | 956,000 | 1,464,000 | 1,983,000 |
| Interest expense | 130,000 | 266,000 | 418,000 | 573,000 |
| Net interest income | 336,000 | 690,000 | 1,046,000 | 1,410,000 |
| Noninterest income | 32,000 | 69,000 | 104,000 | 138,000 |
| Noninterest expense | 345,000 | 673,000 | 991,000 | 1,302,000 |
| Provision for loan losses | 0 | 3,000 | 4,000 | 4,000 |
| Pretax income | 24,000 | 84,000 | 156,000 | 243,000 |
| Income tax | 0 | 4,000 | 8,000 | 10,000 |
| Net income | 24,000 | 80,000 | 148,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,882,000 | 2,938,000 | 3,007,000 | 3,091,000 |
| Total capital | 3,173,000 | 3,230,000 | 3,297,000 | 3,385,000 |
| Risk-weighted assets | 23,169,000 | 23,326,000 | 23,219,000 | 23,508,000 |
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