Call reports 2010
CEDAR SECURITY BANK — 2010
What CEDAR SECURITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 32,459,000 | 33,431,000 | 35,123,000 | 36,805,000 |
| Total loans | 24,398,000 | 27,539,000 | 28,665,000 | 29,375,000 |
| Allowance for loan losses | 371,000 | 387,000 | 403,000 | 418,000 |
| Securities available for sale | 2,876,000 | 2,778,000 | 2,337,000 | 2,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,986,000 | 26,267,000 | 27,410,000 | 30,058,000 |
| Interest-bearing deposits | 22,434,000 | 22,852,000 | 23,089,000 | 24,235,000 |
| Noninterest-bearing deposits | 3,552,000 | 3,415,000 | 4,321,000 | 5,823,000 |
| Equity capital | 4,035,000 | 4,138,000 | 4,246,000 | 4,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 433,000 | 882,000 | 1,358,000 | 1,847,000 |
| Interest expense | 102,000 | 204,000 | 315,000 | 415,000 |
| Net interest income | 331,000 | 678,000 | 1,043,000 | 1,432,000 |
| Noninterest income | 52,000 | 119,000 | 183,000 | 241,000 |
| Noninterest expense | 252,000 | 507,000 | 763,000 | 1,048,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 116,000 | 260,000 | 418,000 | 565,000 |
| Income tax | 36,000 | 81,000 | 131,000 | 178,000 |
| Net income | 80,000 | 179,000 | 287,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,002,000 | 4,102,000 | 4,210,000 | 4,300,000 |
| Total capital | 4,319,000 | 4,456,000 | 4,578,000 | 4,697,000 |
| Risk-weighted assets | 26,996,000 | 28,834,000 | 30,370,000 | 34,722,000 |