Call reports 2018
CEDAR VALLEY BANK & TRUST — 2018
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 64,682,000 | 60,133,000 | 65,263,000 | 73,351,000 |
| Total loans | 38,576,000 | 40,325,000 | 42,661,000 | 45,656,000 |
| Allowance for loan losses | 302,000 | 440,000 | 530,000 | 190,000 |
| Securities available for sale | 19,747,000 | 17,934,000 | 17,492,000 | 16,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,867,000 | 54,383,000 | 56,501,000 | 64,418,000 |
| Interest-bearing deposits | 43,119,000 | 42,708,000 | 40,575,000 | 43,581,000 |
| Noninterest-bearing deposits | 13,748,000 | 11,675,000 | 15,926,000 | 20,837,000 |
| Equity capital | 5,224,000 | 5,166,000 | 5,190,000 | 5,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 624,000 | 1,250,000 | 1,929,000 | 2,647,000 |
| Interest expense | 53,000 | 116,000 | 215,000 | 326,000 |
| Net interest income | 571,000 | 1,134,000 | 1,714,000 | 2,321,000 |
| Noninterest income | 33,000 | 67,000 | 102,000 | 135,000 |
| Noninterest expense | 378,000 | 802,000 | 1,200,000 | 1,683,000 |
| Provision for loan losses | 50,000 | 190,000 | 278,000 | 278,000 |
| Pretax income | 176,000 | 210,000 | 339,000 | 500,000 |
| Income tax | 8,000 | 12,000 | 17,000 | 25,000 |
| Net income | 168,000 | 198,000 | 322,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,533,000 | 5,464,000 | 5,555,000 | 5,616,000 |
| Total capital | 5,836,000 | 5,904,000 | 6,084,000 | 5,806,000 |
| Risk-weighted assets | 40,410,000 | 40,599,000 | 42,871,000 | 46,086,000 |