Call reports 2006
CEDAR VALLEY BANK & TRUST — 2006
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 32,960,000 | 34,587,000 | 35,114,000 | 35,556,000 |
| Total loans | 22,725,000 | 24,717,000 | 25,523,000 | 25,862,000 |
| Allowance for loan losses | 314,000 | 314,000 | 329,000 | 327,000 |
| Securities available for sale | 6,769,000 | 7,052,000 | 6,636,000 | 6,578,000 |
| Securities held to maturity | 420,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,728,000 | 28,059,000 | 29,396,000 | 30,707,000 |
| Interest-bearing deposits | 21,077,000 | 23,318,000 | 24,120,000 | 25,524,000 |
| Noninterest-bearing deposits | 5,651,000 | 4,741,000 | 5,276,000 | 5,183,000 |
| Equity capital | 2,946,000 | 2,954,000 | 3,109,000 | 3,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,068,000 | 1,660,000 | 2,272,000 |
| Interest expense | 156,000 | 339,000 | 551,000 | 770,000 |
| Net interest income | 362,000 | 729,000 | 1,109,000 | 1,502,000 |
| Noninterest income | 34,000 | 85,000 | 129,000 | 167,000 |
| Noninterest expense | 327,000 | 685,000 | 1,026,000 | 1,344,000 |
| Provision for loan losses | 25,000 | 25,000 | 37,000 | 37,000 |
| Pretax income | 36,000 | 96,000 | 154,000 | 267,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 11,000 |
| Net income | 34,000 | 91,000 | 146,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,050,000 | 3,107,000 | 3,162,000 | 3,272,000 |
| Total capital | 3,351,000 | 3,417,000 | 3,484,000 | 3,597,000 |
| Risk-weighted assets | 24,062,000 | 24,770,000 | 25,740,000 | 26,034,000 |
Machine access — free, no API key
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