Call reports 2008
CEDAR SECURITY BANK — 2008
What CEDAR SECURITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 25,651,000 | 26,509,000 | 28,179,000 | 28,484,000 |
| Total loans | 19,065,000 | 19,314,000 | 20,120,000 | 20,597,000 |
| Allowance for loan losses | 483,000 | 485,000 | 485,000 | 486,000 |
| Securities available for sale | 3,389,000 | 3,347,000 | 3,650,000 | 4,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,552,000 | 20,804,000 | 22,356,000 | 22,540,000 |
| Interest-bearing deposits | 16,937,000 | 17,322,000 | 19,077,000 | 18,557,000 |
| Noninterest-bearing deposits | 3,615,000 | 3,482,000 | 3,279,000 | 3,983,000 |
| Equity capital | 3,361,000 | 3,412,000 | 3,494,000 | 3,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 431,000 | 843,000 | 1,266,000 | 1,699,000 |
| Interest expense | 154,000 | 297,000 | 438,000 | 573,000 |
| Net interest income | 277,000 | 546,000 | 828,000 | 1,126,000 |
| Noninterest income | 62,000 | 131,000 | 202,000 | 259,000 |
| Noninterest expense | 216,000 | 433,000 | 657,000 | 891,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 123,000 | 244,000 | 373,000 | 494,000 |
| Income tax | 41,000 | 84,000 | 127,000 | 163,000 |
| Net income | 82,000 | 160,000 | 246,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,324,000 | 3,403,000 | 3,486,000 | 3,573,000 |
| Total capital | 3,571,000 | 3,657,000 | 3,750,000 | 3,843,000 |
| Risk-weighted assets | 19,552,000 | 20,064,000 | 20,916,000 | 21,406,000 |