Call reports 2011
CEDAR VALLEY BANK & TRUST — 2011
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 44,303,000 | 39,921,000 | 44,442,000 | 45,395,000 |
| Total loans | 24,998,000 | 25,378,000 | 25,579,000 | 25,388,000 |
| Allowance for loan losses | 228,000 | 244,000 | 221,000 | 229,000 |
| Securities available for sale | 9,556,000 | 9,479,000 | 10,095,000 | 12,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,755,000 | 36,137,000 | 40,546,000 | 41,403,000 |
| Interest-bearing deposits | 31,969,000 | 29,219,000 | 31,188,000 | 31,806,000 |
| Noninterest-bearing deposits | 8,786,000 | 6,918,000 | 9,358,000 | 9,597,000 |
| Equity capital | 3,446,000 | 3,688,000 | 3,802,000 | 3,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 527,000 | 1,035,000 | 1,552,000 | 2,079,000 |
| Interest expense | 58,000 | 108,000 | 157,000 | 204,000 |
| Net interest income | 469,000 | 927,000 | 1,395,000 | 1,875,000 |
| Noninterest income | 35,000 | 72,000 | 111,000 | 122,000 |
| Noninterest expense | 339,000 | 683,000 | 1,064,000 | 1,425,000 |
| Provision for loan losses | 78,000 | 88,000 | 107,000 | 114,000 |
| Pretax income | 87,000 | 228,000 | 364,000 | 487,000 |
| Income tax | 4,000 | 11,000 | 18,000 | 24,000 |
| Net income | 83,000 | 217,000 | 346,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,332,000 | 3,396,000 | 3,484,000 | 3,562,000 |
| Total capital | 3,560,000 | 3,640,000 | 3,705,000 | 3,791,000 |
| Risk-weighted assets | 27,818,000 | 26,035,000 | 26,431,000 | 26,434,000 |