Call reports 2004
CEDAR SECURITY BANK — 2004
What CEDAR SECURITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,836,000 | 20,389,000 | 20,125,000 | 20,741,000 |
| Total loans | 14,326,000 | 14,255,000 | 13,475,000 | 13,725,000 |
| Allowance for loan losses | 512,000 | 516,000 | 521,000 | 522,000 |
| Securities available for sale | 4,218,000 | 3,725,000 | 3,668,000 | 4,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,907,000 | 17,603,000 | 17,321,000 | 17,955,000 |
| Interest-bearing deposits | 15,705,000 | 15,382,000 | 15,207,000 | 15,307,000 |
| Noninterest-bearing deposits | 2,202,000 | 2,221,000 | 2,114,000 | 2,648,000 |
| Equity capital | 2,680,000 | 2,671,000 | 2,711,000 | 2,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 272,000 | 541,000 | 803,000 | 1,063,000 |
| Interest expense | 61,000 | 119,000 | 174,000 | 232,000 |
| Net interest income | 211,000 | 422,000 | 629,000 | 831,000 |
| Noninterest income | 53,000 | 111,000 | 156,000 | 206,000 |
| Noninterest expense | 213,000 | 437,000 | 655,000 | 892,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 51,000 | 96,000 | 130,000 | 145,000 |
| Income tax | 13,000 | 27,000 | 34,000 | 31,000 |
| Net income | 38,000 | 69,000 | 96,000 | 114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,680,000 | 2,692,000 | 2,720,000 | 2,736,000 |
| Total capital | 2,864,000 | 2,871,000 | 2,893,000 | 2,912,000 |
| Risk-weighted assets | 14,389,000 | 14,020,000 | 13,470,000 | 13,714,000 |