Call reports 2017
CEDAR VALLEY BANK & TRUST — 2017
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 61,675,000 | 58,943,000 | 59,848,000 | 62,415,000 |
| Total loans | 32,581,000 | 33,019,000 | 34,314,000 | 36,670,000 |
| Allowance for loan losses | 218,000 | 199,000 | 234,000 | 254,000 |
| Securities available for sale | 25,133,000 | 22,619,000 | 21,328,000 | 20,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,617,000 | 52,945,000 | 52,846,000 | 51,030,000 |
| Interest-bearing deposits | 43,436,000 | 42,580,000 | 40,736,000 | 37,202,000 |
| Noninterest-bearing deposits | 13,181,000 | 10,365,000 | 12,110,000 | 13,828,000 |
| Equity capital | 4,957,000 | 5,301,000 | 5,371,000 | 5,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 561,000 | 1,139,000 | 1,737,000 | 2,349,000 |
| Interest expense | 31,000 | 60,000 | 93,000 | 127,000 |
| Net interest income | 530,000 | 1,079,000 | 1,644,000 | 2,222,000 |
| Noninterest income | 24,000 | 71,000 | 107,000 | 132,000 |
| Noninterest expense | 375,000 | 764,000 | 1,144,000 | 1,563,000 |
| Provision for loan losses | 0 | 14,000 | 34,000 | 54,000 |
| Pretax income | 180,000 | 373,000 | 571,000 | 734,000 |
| Income tax | 9,000 | 19,000 | 28,000 | 35,000 |
| Net income | 171,000 | 354,000 | 543,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,097,000 | 5,280,000 | 5,369,000 | 5,445,000 |
| Total capital | 5,315,000 | 5,479,000 | 5,603,000 | 5,699,000 |
| Risk-weighted assets | 36,367,000 | 35,224,000 | 36,714,000 | 38,910,000 |