Call reports 2016
CEDAR VALLEY BANK & TRUST — 2016
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 60,672,000 | 59,099,000 | 59,288,000 | 63,468,000 |
| Total loans | 24,963,000 | 27,068,000 | 28,211,000 | 31,894,000 |
| Allowance for loan losses | 209,000 | 210,000 | 207,000 | 220,000 |
| Securities available for sale | 30,071,000 | 28,748,000 | 27,271,000 | 26,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,523,000 | 53,052,000 | 51,348,000 | 57,584,000 |
| Interest-bearing deposits | 42,899,000 | 41,767,000 | 39,935,000 | 56,332,000 |
| Noninterest-bearing deposits | 12,624,000 | 11,285,000 | 11,413,000 | 1,252,000 |
| Equity capital | 5,050,000 | 5,186,000 | 5,217,000 | 4,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 493,000 | 1,021,000 | 1,589,000 | 2,142,000 |
| Interest expense | 29,000 | 59,000 | 91,000 | 123,000 |
| Net interest income | 464,000 | 962,000 | 1,498,000 | 2,019,000 |
| Noninterest income | 29,000 | 53,000 | 85,000 | 109,000 |
| Noninterest expense | 409,000 | 809,000 | 1,197,000 | 1,632,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 84,000 | 224,000 | 406,000 | 502,000 |
| Income tax | 4,000 | 11,000 | 27,000 | 32,000 |
| Net income | 80,000 | 213,000 | 379,000 | 470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,855,000 | 4,908,000 | 4,994,000 | 5,006,000 |
| Total capital | 5,064,000 | 5,118,000 | 5,201,000 | 5,225,000 |
| Risk-weighted assets | 32,149,000 | 33,600,000 | 33,106,000 | 35,883,000 |