Call reports 2012
CEDAR VALLEY BANK & TRUST — 2012
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 53,965,000 | 54,127,000 | 55,760,000 | 60,475,000 |
| Total loans | 21,862,000 | 24,007,000 | 24,738,000 | 25,597,000 |
| Allowance for loan losses | 230,000 | 228,000 | 226,000 | 227,000 |
| Securities available for sale | 15,562,000 | 20,206,000 | 21,192,000 | 22,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,951,000 | 49,663,000 | 51,067,000 | 55,710,000 |
| Interest-bearing deposits | 38,173,000 | 40,254,000 | 39,881,000 | 41,087,000 |
| Noninterest-bearing deposits | 11,778,000 | 9,409,000 | 11,186,000 | 14,623,000 |
| Equity capital | 3,918,000 | 4,364,000 | 4,588,000 | 4,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 465,000 | 954,000 | 1,487,000 | 2,028,000 |
| Interest expense | 45,000 | 87,000 | 128,000 | 165,000 |
| Net interest income | 420,000 | 867,000 | 1,359,000 | 1,863,000 |
| Noninterest income | 14,000 | -106,000 | -62,000 | -26,000 |
| Noninterest expense | 339,000 | 667,000 | 1,011,000 | 1,365,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 94,000 | 286,000 | 472,000 |
| Income tax | 4,000 | 5,000 | 14,000 | 24,000 |
| Net income | 91,000 | 89,000 | 272,000 | 448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,603,000 | 4,028,000 | 4,161,000 | 4,273,000 |
| Total capital | 3,833,000 | 4,256,000 | 4,387,000 | 4,500,000 |
| Risk-weighted assets | 25,589,000 | 27,561,000 | 28,857,000 | 30,359,000 |