Call reports 2009
CEDAR VALLEY BANK & TRUST — 2009
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 38,063,000 | 38,303,000 | 41,324,000 | 39,782,000 |
| Total loans | 26,781,000 | 28,367,000 | 29,517,000 | 29,313,000 |
| Allowance for loan losses | 299,000 | 309,000 | 440,000 | 363,000 |
| Securities available for sale | 5,815,000 | 7,192,000 | 7,509,000 | 7,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,209,000 | 32,703,000 | 36,586,000 | 34,915,000 |
| Interest-bearing deposits | 26,496,000 | 25,914,000 | 28,742,000 | 27,109,000 |
| Noninterest-bearing deposits | 6,713,000 | 6,789,000 | 7,844,000 | 7,806,000 |
| Equity capital | 3,156,000 | 3,103,000 | 3,061,000 | 3,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 539,000 | 1,073,000 | 1,642,000 | 2,198,000 |
| Interest expense | 155,000 | 299,000 | 433,000 | 565,000 |
| Net interest income | 384,000 | 774,000 | 1,209,000 | 1,633,000 |
| Noninterest income | 29,000 | 62,000 | 39,000 | 22,000 |
| Noninterest expense | 344,000 | 720,000 | 1,057,000 | 1,394,000 |
| Provision for loan losses | 30,000 | 40,000 | 230,000 | 272,000 |
| Pretax income | 39,000 | 90,000 | 22,000 | 50,000 |
| Income tax | 2,000 | 5,000 | 5,000 | 0 |
| Net income | 37,000 | 85,000 | 17,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,045,000 | 3,053,000 | 2,935,000 | 2,968,000 |
| Total capital | 3,344,000 | 3,362,000 | 3,297,000 | 3,328,000 |
| Risk-weighted assets | 27,816,000 | 27,504,000 | 28,863,000 | 28,763,000 |
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