Call reports 2014
CEDAR VALLEY BANK & TRUST — 2014
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 62,920,000 | 58,539,000 | 56,542,000 | 59,636,000 |
| Total loans | 22,449,000 | 24,077,000 | 23,200,000 | 24,629,000 |
| Allowance for loan losses | 228,000 | 223,000 | 229,000 | 224,000 |
| Securities available for sale | 32,152,000 | 30,302,000 | 29,603,000 | 28,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,223,000 | 52,434,000 | 51,567,000 | 54,581,000 |
| Interest-bearing deposits | 41,952,000 | 40,739,000 | 39,511,000 | 41,587,000 |
| Noninterest-bearing deposits | 16,271,000 | 11,695,000 | 12,056,000 | 12,994,000 |
| Equity capital | 4,571,000 | 4,787,000 | 4,872,000 | 4,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 501,000 | 1,001,000 | 1,506,000 | 2,004,000 |
| Interest expense | 33,000 | 65,000 | 98,000 | 129,000 |
| Net interest income | 468,000 | 936,000 | 1,408,000 | 1,875,000 |
| Noninterest income | 29,000 | 61,000 | 105,000 | 164,000 |
| Noninterest expense | 353,000 | 699,000 | 1,057,000 | 1,472,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 144,000 | 305,000 | 463,000 | 574,000 |
| Income tax | 7,000 | 15,000 | 19,000 | 25,000 |
| Net income | 137,000 | 290,000 | 444,000 | 549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,631,000 | 4,724,000 | 4,808,000 | 4,793,000 |
| Total capital | 4,859,000 | 4,947,000 | 5,037,000 | 5,017,000 |
| Risk-weighted assets | 31,772,000 | 30,911,000 | 29,648,000 | 31,321,000 |
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