Call reports 2007
CEDAR VALLEY BANK & TRUST — 2007
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 33,778,000 | 35,694,000 | 35,866,000 | 38,152,000 |
| Total loans | 23,664,000 | 26,541,000 | 27,241,000 | 29,458,000 |
| Allowance for loan losses | 314,000 | 309,000 | 337,000 | 321,000 |
| Securities available for sale | 6,740,000 | 6,222,000 | 6,281,000 | 6,086,000 |
| Securities held to maturity | 300,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,959,000 | 31,348,000 | 30,632,000 | 31,509,000 |
| Interest-bearing deposits | 24,431,000 | 26,825,000 | 25,360,000 | 25,457,000 |
| Noninterest-bearing deposits | 4,528,000 | 4,523,000 | 5,272,000 | 6,052,000 |
| Equity capital | 3,209,000 | 3,193,000 | 3,294,000 | 3,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 564,000 | 1,157,000 | 1,797,000 | 2,444,000 |
| Interest expense | 211,000 | 433,000 | 677,000 | 929,000 |
| Net interest income | 353,000 | 724,000 | 1,120,000 | 1,515,000 |
| Noninterest income | 37,000 | 74,000 | 117,000 | 153,000 |
| Noninterest expense | 322,000 | 660,000 | 993,000 | 1,328,000 |
| Provision for loan losses | 0 | 12,000 | 42,000 | 47,000 |
| Pretax income | 58,000 | 116,000 | 192,000 | 279,000 |
| Income tax | 2,000 | 5,000 | 9,000 | 14,000 |
| Net income | 56,000 | 111,000 | 183,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,229,000 | 3,283,000 | 3,305,000 | 3,387,000 |
| Total capital | 3,537,000 | 3,592,000 | 3,637,000 | 3,708,000 |
| Risk-weighted assets | 24,612,000 | 25,865,000 | 26,581,000 | 28,740,000 |
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