Call reports 2021
CEDAR VALLEY BANK & TRUST — 2021
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 94,014,000 | 89,535,000 | 96,069,000 | 101,873,000 |
| Total loans | 77,478,000 | 77,201,000 | 82,696,000 | 86,935,000 |
| Allowance for loan losses | 510,000 | 582,000 | 583,000 | 624,000 |
| Securities available for sale | 10,775,000 | 9,062,000 | 8,837,000 | 8,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,092,000 | 73,614,000 | 75,260,000 | 85,158,000 |
| Interest-bearing deposits | 58,673,000 | 53,430,000 | 52,792,000 | 62,453,000 |
| Noninterest-bearing deposits | 19,419,000 | 20,184,000 | 22,468,000 | 22,705,000 |
| Equity capital | 7,545,000 | 7,563,000 | 7,663,000 | 7,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,248,000 | 2,248,000 | 3,194,000 | 4,125,000 |
| Interest expense | 68,000 | 135,000 | 201,000 | 261,000 |
| Net interest income | 1,180,000 | 2,113,000 | 2,993,000 | 3,864,000 |
| Noninterest income | 19,000 | 39,000 | 91,000 | 124,000 |
| Noninterest expense | 538,000 | 1,211,000 | 1,801,000 | 2,485,000 |
| Provision for loan losses | 35,000 | 105,000 | 105,000 | 170,000 |
| Pretax income | 636,000 | 870,000 | 1,218,000 | 1,378,000 |
| Income tax | 30,000 | 43,000 | 61,000 | 70,000 |
| Net income | 606,000 | 827,000 | 1,157,000 | 1,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,382,000 | 7,402,000 | 7,508,000 | 7,484,000 |
| Total capital | 7,892,000 | 7,984,000 | 8,091,000 | 8,108,000 |
| Risk-weighted assets | 65,594,000 | 66,261,000 | 73,975,000 | 79,361,000 |