Call reports 2005
CEDAR SECURITY BANK — 2005
What CEDAR SECURITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 21,029,000 | 21,229,000 | 21,802,000 | 23,615,000 |
| Total loans | 13,530,000 | 14,025,000 | 14,293,000 | 14,946,000 |
| Allowance for loan losses | 526,000 | 527,000 | 529,000 | 474,000 |
| Securities available for sale | 4,426,000 | 4,333,000 | 4,215,000 | 3,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,245,000 | 18,395,000 | 18,919,000 | 19,139,000 |
| Interest-bearing deposits | 15,450,000 | 16,138,000 | 15,945,000 | 16,119,000 |
| Noninterest-bearing deposits | 2,795,000 | 2,257,000 | 2,974,000 | 3,020,000 |
| Equity capital | 2,703,000 | 2,746,000 | 2,786,000 | 2,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 264,000 | 537,000 | 830,000 | 1,146,000 |
| Interest expense | 60,000 | 121,000 | 188,000 | 279,000 |
| Net interest income | 204,000 | 416,000 | 642,000 | 867,000 |
| Noninterest income | 48,000 | 100,000 | 150,000 | 196,000 |
| Noninterest expense | 219,000 | 440,000 | 658,000 | 901,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 33,000 | 76,000 | 134,000 | 212,000 |
| Income tax | 6,000 | 16,000 | 32,000 | 38,000 |
| Net income | 27,000 | 60,000 | 102,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,740,000 | 2,787,000 | 2,829,000 | 2,901,000 |
| Total capital | 2,917,000 | 2,969,000 | 3,019,000 | 3,101,000 |
| Risk-weighted assets | 13,787,000 | 14,222,000 | 14,864,000 | 15,758,000 |