Call reports 2010
CEDAR VALLEY BANK & TRUST — 2010
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 46,991,000 | 42,031,000 | 41,433,000 | 43,758,000 |
| Total loans | 28,438,000 | 29,993,000 | 29,704,000 | 29,440,000 |
| Allowance for loan losses | 366,000 | 403,000 | 352,000 | 377,000 |
| Securities available for sale | 9,687,000 | 8,703,000 | 8,259,000 | 8,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,700,000 | 37,539,000 | 35,497,000 | 39,287,000 |
| Interest-bearing deposits | 34,305,000 | 30,074,000 | 27,684,000 | 29,122,000 |
| Noninterest-bearing deposits | 8,395,000 | 7,465,000 | 7,813,000 | 10,165,000 |
| Equity capital | 3,147,000 | 3,321,000 | 3,509,000 | 3,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 575,000 | 1,153,000 | 1,720,000 | 2,287,000 |
| Interest expense | 124,000 | 243,000 | 331,000 | 398,000 |
| Net interest income | 451,000 | 910,000 | 1,389,000 | 1,889,000 |
| Noninterest income | 72,000 | 119,000 | 145,000 | 183,000 |
| Noninterest expense | 356,000 | 701,000 | 1,047,000 | 1,418,000 |
| Provision for loan losses | 0 | 50,000 | 125,000 | 231,000 |
| Pretax income | 167,000 | 308,000 | 401,000 | 462,000 |
| Income tax | 8,000 | 15,000 | 21,000 | 23,000 |
| Net income | 159,000 | 293,000 | 380,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,069,000 | 3,203,000 | 3,290,000 | 3,299,000 |
| Total capital | 3,435,000 | 3,566,000 | 3,642,000 | 3,676,000 |
| Risk-weighted assets | 30,453,000 | 29,021,000 | 29,065,000 | 30,123,000 |
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