Call reports 2003
CEDAR SECURITY BANK — 2003
What CEDAR SECURITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 20,449,000 | 20,990,000 | 20,761,000 | 20,852,000 |
| Total loans | 13,176,000 | 13,451,000 | 12,891,000 | 13,327,000 |
| Allowance for loan losses | 449,000 | 450,000 | 451,000 | 452,000 |
| Securities available for sale | 4,153,000 | 3,612,000 | 4,053,000 | 4,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,482,000 | 18,026,000 | 17,850,000 | 18,141,000 |
| Interest-bearing deposits | 15,873,000 | 15,954,000 | 15,790,000 | 15,658,000 |
| Noninterest-bearing deposits | 1,609,000 | 2,072,000 | 2,060,000 | 2,483,000 |
| Equity capital | 2,814,000 | 2,838,000 | 2,807,000 | 2,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 291,000 | 579,000 | 858,000 | 1,132,000 |
| Interest expense | 87,000 | 169,000 | 240,000 | 306,000 |
| Net interest income | 204,000 | 410,000 | 618,000 | 826,000 |
| Noninterest income | 47,000 | 99,000 | 150,000 | 201,000 |
| Noninterest expense | 214,000 | 436,000 | 638,000 | 866,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | 73,000 | 130,000 | 161,000 |
| Income tax | 8,000 | 16,000 | 29,000 | 33,000 |
| Net income | 29,000 | 57,000 | 101,000 | 128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,784,000 | 2,811,000 | 2,796,000 | 2,623,000 |
| Total capital | 2,952,000 | 2,985,000 | 2,966,000 | 2,797,000 |
| Risk-weighted assets | 13,137,000 | 13,614,000 | 13,338,000 | 13,651,000 |