Call reports 2008
CEDAR VALLEY BANK & TRUST — 2008
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 38,016,000 | 36,864,000 | 37,674,000 | 41,535,000 |
| Total loans | 27,953,000 | 29,258,000 | 30,185,000 | 30,403,000 |
| Allowance for loan losses | 321,000 | 364,000 | 354,000 | 303,000 |
| Securities available for sale | 6,005,000 | 5,252,000 | 5,247,000 | 4,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,104,000 | 30,179,000 | 31,396,000 | 35,904,000 |
| Interest-bearing deposits | 25,461,000 | 25,033,000 | 25,695,000 | 26,980,000 |
| Noninterest-bearing deposits | 5,643,000 | 5,146,000 | 5,701,000 | 8,924,000 |
| Equity capital | 3,627,000 | 3,464,000 | 3,517,000 | 3,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,217,000 | 1,831,000 | 2,434,000 |
| Interest expense | 243,000 | 462,000 | 659,000 | 833,000 |
| Net interest income | 385,000 | 755,000 | 1,172,000 | 1,601,000 |
| Noninterest income | 34,000 | 64,000 | 104,000 | 139,000 |
| Noninterest expense | 330,000 | 661,000 | 1,007,000 | 1,354,000 |
| Provision for loan losses | 0 | 44,000 | 44,000 | 100,000 |
| Pretax income | 89,000 | 114,000 | 225,000 | 286,000 |
| Income tax | 4,000 | 6,000 | 11,000 | 15,000 |
| Net income | 85,000 | 108,000 | 214,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,472,000 | 3,395,000 | 3,452,000 | 3,008,000 |
| Total capital | 3,793,000 | 3,748,000 | 3,806,000 | 3,311,000 |
| Risk-weighted assets | 28,514,000 | 28,189,000 | 28,900,000 | 29,935,000 |
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