Call reports 2019
CEDAR VALLEY BANK & TRUST — 2019
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 69,640,000 | 69,486,000 | 74,503,000 | 71,673,000 |
| Total loans | 50,082,000 | 51,063,000 | 53,954,000 | 55,874,000 |
| Allowance for loan losses | 224,000 | 241,000 | 259,000 | 401,000 |
| Securities available for sale | 15,534,000 | 13,233,000 | 12,674,000 | 12,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,505,000 | 61,065,000 | 65,930,000 | 58,990,000 |
| Interest-bearing deposits | 50,594,000 | 49,447,000 | 52,701,000 | 47,652,000 |
| Noninterest-bearing deposits | 12,911,000 | 11,618,000 | 13,229,000 | 11,338,000 |
| Equity capital | 5,589,000 | 5,874,000 | 6,041,000 | 6,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 774,000 | 1,557,000 | 2,382,000 | 3,233,000 |
| Interest expense | 137,000 | 278,000 | 405,000 | 532,000 |
| Net interest income | 637,000 | 1,279,000 | 1,977,000 | 2,701,000 |
| Noninterest income | 29,000 | 62,000 | 86,000 | 114,000 |
| Noninterest expense | 436,000 | 884,000 | 1,334,000 | 1,897,000 |
| Provision for loan losses | 66,000 | 86,000 | 106,000 | 0 |
| Pretax income | 162,000 | 388,000 | 643,000 | 938,000 |
| Income tax | 9,000 | 19,000 | 32,000 | 47,000 |
| Net income | 153,000 | 369,000 | 611,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,695,000 | 5,836,000 | 6,002,000 | 6,132,000 |
| Total capital | 5,919,000 | 6,077,000 | 6,261,000 | 6,533,000 |
| Risk-weighted assets | 48,616,000 | 49,197,000 | 52,003,000 | 53,112,000 |
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