Call reports 2007
CEDAR SECURITY BANK — 2007
What CEDAR SECURITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 23,352,000 | 23,970,000 | 24,925,000 | 25,119,000 |
| Total loans | 17,120,000 | 18,114,000 | 19,054,000 | 18,610,000 |
| Allowance for loan losses | 478,000 | 478,000 | 478,000 | 481,000 |
| Securities available for sale | 3,331,000 | 3,322,000 | 2,803,000 | 3,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,573,000 | 18,596,000 | 19,978,000 | 20,099,000 |
| Interest-bearing deposits | 15,728,000 | 15,803,000 | 16,673,000 | 16,620,000 |
| Noninterest-bearing deposits | 2,845,000 | 2,794,000 | 3,305,000 | 3,480,000 |
| Equity capital | 3,105,000 | 3,172,000 | 3,256,000 | 3,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 399,000 | 817,000 | 1,251,000 | 1,704,000 |
| Interest expense | 133,000 | 277,000 | 431,000 | 590,000 |
| Net interest income | 266,000 | 540,000 | 820,000 | 1,114,000 |
| Noninterest income | 48,000 | 118,000 | 179,000 | 226,000 |
| Noninterest expense | 216,000 | 451,000 | 681,000 | 918,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 98,000 | 207,000 | 318,000 | 422,000 |
| Income tax | 35,000 | 66,000 | 112,000 | 148,000 |
| Net income | 63,000 | 141,000 | 206,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,105,000 | 3,191,000 | 3,247,000 | 3,310,000 |
| Total capital | 3,327,000 | 3,423,000 | 3,488,000 | 3,551,000 |
| Risk-weighted assets | 17,476,000 | 18,150,000 | 19,046,000 | 19,034,000 |