Call reports 2022
CEDAR VALLEY BANK & TRUST — 2022
What CEDAR VALLEY BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 101,604,000 | 104,821,000 | 108,620,000 | 111,631,000 |
| Total loans | 87,678,000 | 94,859,000 | 96,190,000 | 101,026,000 |
| Allowance for loan losses | 604,000 | 618,000 | 626,000 | 673,000 |
| Securities available for sale | 8,569,000 | 7,418,000 | 7,212,000 | 6,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,993,000 | 91,702,000 | 94,840,000 | 92,141,000 |
| Interest-bearing deposits | 63,256,000 | 67,154,000 | 67,213,000 | 68,983,000 |
| Noninterest-bearing deposits | 24,737,000 | 24,548,000 | 27,627,000 | 23,158,000 |
| Equity capital | 7,464,000 | 7,498,000 | 8,621,000 | 8,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 954,000 | 1,998,000 | 3,088,000 | 4,234,000 |
| Interest expense | 49,000 | 107,000 | 222,000 | 453,000 |
| Net interest income | 905,000 | 1,891,000 | 2,866,000 | 3,781,000 |
| Noninterest income | 25,000 | 58,000 | 284,000 | 302,000 |
| Noninterest expense | 620,000 | 1,249,000 | 1,920,000 | 2,713,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 52,000 |
| Pretax income | 320,000 | 706,000 | 1,227,000 | 1,329,000 |
| Income tax | 16,000 | 35,000 | 61,000 | 80,000 |
| Net income | 304,000 | 671,000 | 1,166,000 | 1,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,588,000 | 7,805,000 | 9,000,000 | 8,933,000 |
| Total capital | 8,192,000 | 8,423,000 | 9,626,000 | 9,606,000 |
| Risk-weighted assets | 79,020,000 | 82,584,000 | 80,756,000 | 82,565,000 |