Call reports 2013
CEDAR VALLEY BANK & TRUST — 2013
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 60,599,000 | 59,180,000 | 59,848,000 | 61,604,000 |
| Total loans | 22,559,000 | 24,152,000 | 23,781,000 | 24,648,000 |
| Allowance for loan losses | 229,000 | 230,000 | 217,000 | 227,000 |
| Securities available for sale | 25,843,000 | 29,852,000 | 30,213,000 | 29,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,815,000 | 51,466,000 | 53,847,000 | 56,268,000 |
| Interest-bearing deposits | 40,744,000 | 40,546,000 | 39,627,000 | 40,153,000 |
| Noninterest-bearing deposits | 15,071,000 | 10,920,000 | 14,220,000 | 16,115,000 |
| Equity capital | 4,668,000 | 4,182,000 | 4,153,000 | 4,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 975,000 | 1,492,000 | 2,015,000 |
| Interest expense | 34,000 | 67,000 | 102,000 | 135,000 |
| Net interest income | 451,000 | 908,000 | 1,390,000 | 1,880,000 |
| Noninterest income | -22,000 | 8,000 | 32,000 | 60,000 |
| Noninterest expense | 358,000 | 704,000 | 1,037,000 | 1,397,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 71,000 | 212,000 | 385,000 | 543,000 |
| Income tax | 4,000 | 11,000 | 19,000 | 27,000 |
| Net income | 67,000 | 201,000 | 366,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,290,000 | 4,339,000 | 4,454,000 | 4,549,000 |
| Total capital | 4,519,000 | 4,569,000 | 4,671,000 | 4,776,000 |
| Risk-weighted assets | 29,799,000 | 30,838,000 | 30,507,000 | 32,124,000 |