Call reports 2002
CEDAR SECURITY BANK — 2002
What CEDAR SECURITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 20,405,000 | 20,896,000 | 21,053,000 | 20,347,000 |
| Total loans | 13,037,000 | 14,029,000 | 13,741,000 | 12,502,000 |
| Allowance for loan losses | 435,000 | 438,000 | 439,000 | 449,000 |
| Securities available for sale | 5,811,000 | 4,988,000 | 4,490,000 | 4,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,293,000 | 17,421,000 | 17,537,000 | 17,329,000 |
| Interest-bearing deposits | 15,796,000 | 15,857,000 | 16,067,000 | 15,527,000 |
| Noninterest-bearing deposits | 1,497,000 | 1,564,000 | 1,470,000 | 1,802,000 |
| Equity capital | 2,696,000 | 2,775,000 | 2,814,000 | 2,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 338,000 | 690,000 | 1,033,000 | 1,360,000 |
| Interest expense | 132,000 | 254,000 | 370,000 | 478,000 |
| Net interest income | 206,000 | 436,000 | 663,000 | 882,000 |
| Noninterest income | 31,000 | 82,000 | 129,000 | 188,000 |
| Noninterest expense | 198,000 | 411,000 | 623,000 | 861,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 39,000 | 107,000 | 169,000 | 209,000 |
| Income tax | 9,000 | 26,000 | 47,000 | 51,000 |
| Net income | 30,000 | 81,000 | 122,000 | 158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,677,000 | 2,727,000 | 2,768,000 | 2,805,000 |
| Total capital | 2,842,000 | 2,894,000 | 2,942,000 | 2,966,000 |
| Risk-weighted assets | 13,006,000 | 13,792,000 | 13,659,000 | 12,557,000 |