Call reports 2015
CEDAR VALLEY BANK & TRUST — 2015
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 60,218,000 | 55,778,000 | 56,673,000 | 63,160,000 |
| Total loans | 22,056,000 | 22,581,000 | 23,164,000 | 23,987,000 |
| Allowance for loan losses | 204,000 | 218,000 | 221,000 | 209,000 |
| Securities available for sale | 28,950,000 | 28,769,000 | 27,879,000 | 27,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,014,000 | 50,765,000 | 51,590,000 | 58,134,000 |
| Interest-bearing deposits | 42,007,000 | 40,657,000 | 39,711,000 | 43,107,000 |
| Noninterest-bearing deposits | 13,007,000 | 10,108,000 | 11,879,000 | 15,027,000 |
| Equity capital | 5,084,000 | 4,900,000 | 4,967,000 | 4,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 475,000 | 952,000 | 1,424,000 | 1,911,000 |
| Interest expense | 29,000 | 60,000 | 89,000 | 119,000 |
| Net interest income | 446,000 | 892,000 | 1,335,000 | 1,792,000 |
| Noninterest income | 42,000 | 75,000 | 152,000 | 201,000 |
| Noninterest expense | 335,000 | 691,000 | 1,073,000 | 1,476,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 178,000 | 301,000 | 445,000 | 548,000 |
| Income tax | 9,000 | 19,000 | 22,000 | 26,000 |
| Net income | 169,000 | 282,000 | 423,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,862,000 | 4,815,000 | 4,856,000 | 4,875,000 |
| Total capital | 5,066,000 | 5,033,000 | 5,077,000 | 5,084,000 |
| Risk-weighted assets | 31,270,000 | 30,226,000 | 31,376,000 | 31,883,000 |