Call reports 2009
CEDAR SECURITY BANK — 2009
What CEDAR SECURITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 28,907,000 | 29,793,000 | 32,211,000 | 31,676,000 |
| Total loans | 22,366,000 | 23,027,000 | 23,968,000 | 23,829,000 |
| Allowance for loan losses | 329,000 | 330,000 | 330,000 | 356,000 |
| Securities available for sale | 3,423,000 | 2,653,000 | 3,423,000 | 3,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,932,000 | 23,065,000 | 25,361,000 | 25,292,000 |
| Interest-bearing deposits | 19,611,000 | 19,460,000 | 21,256,000 | 20,961,000 |
| Noninterest-bearing deposits | 3,321,000 | 3,605,000 | 4,105,000 | 4,331,000 |
| Equity capital | 3,703,000 | 3,785,000 | 3,891,000 | 3,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 423,000 | 858,000 | 1,293,000 | 1,740,000 |
| Interest expense | 116,000 | 231,000 | 344,000 | 451,000 |
| Net interest income | 307,000 | 627,000 | 949,000 | 1,289,000 |
| Noninterest income | 56,000 | 113,000 | 176,000 | 233,000 |
| Noninterest expense | 232,000 | 478,000 | 723,000 | 1,003,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 131,000 | 262,000 | 402,000 | 509,000 |
| Income tax | 40,000 | 82,000 | 127,000 | 160,000 |
| Net income | 91,000 | 180,000 | 275,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,665,000 | 3,753,000 | 3,848,000 | 3,923,000 |
| Total capital | 3,951,000 | 4,057,000 | 4,178,000 | 4,261,000 |
| Risk-weighted assets | 24,335,000 | 26,840,000 | 26,508,000 | 27,071,000 |