Call reports 2006
CEDAR SECURITY BANK — 2006
What CEDAR SECURITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 23,279,000 | 23,747,000 | 23,781,000 | 23,405,000 |
| Total loans | 14,800,000 | 16,573,000 | 17,361,000 | 17,286,000 |
| Allowance for loan losses | 478,000 | 477,000 | 478,000 | 479,000 |
| Securities available for sale | 5,149,000 | 4,078,000 | 3,715,000 | 3,271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,769,000 | 18,257,000 | 18,563,000 | 18,596,000 |
| Interest-bearing deposits | 15,702,000 | 15,442,000 | 15,880,000 | 15,565,000 |
| Noninterest-bearing deposits | 3,067,000 | 2,815,000 | 2,683,000 | 3,031,000 |
| Equity capital | 2,895,000 | 2,939,000 | 3,027,000 | 3,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 324,000 | 687,000 | 1,077,000 | 1,484,000 |
| Interest expense | 94,000 | 209,000 | 332,000 | 464,000 |
| Net interest income | 230,000 | 478,000 | 745,000 | 1,020,000 |
| Noninterest income | 48,000 | 102,000 | 155,000 | 216,000 |
| Noninterest expense | 219,000 | 431,000 | 659,000 | 909,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 59,000 | 149,000 | 241,000 | 327,000 |
| Income tax | 18,000 | 54,000 | 88,000 | 120,000 |
| Net income | 41,000 | 95,000 | 153,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,946,000 | 2,982,000 | 3,040,000 | 3,099,000 |
| Total capital | 3,146,000 | 3,199,000 | 3,265,000 | 3,324,000 |
| Risk-weighted assets | 15,743,000 | 17,091,000 | 17,779,000 | 17,727,000 |