Call reports 2011
CEDAR SECURITY BANK — 2011
What CEDAR SECURITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 36,750,000 | 37,168,000 | 39,894,000 | 40,386,000 |
| Total loans | 27,230,000 | 26,393,000 | 27,369,000 | 29,595,000 |
| Allowance for loan losses | 442,000 | 443,000 | 444,000 | 443,000 |
| Securities available for sale | 2,205,000 | 3,156,000 | 2,904,000 | 3,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,910,000 | 30,218,000 | 32,785,000 | 33,736,000 |
| Interest-bearing deposits | 25,366,000 | 25,219,000 | 26,355,000 | 25,869,000 |
| Noninterest-bearing deposits | 4,544,000 | 4,999,000 | 6,430,000 | 7,867,000 |
| Equity capital | 4,407,000 | 4,535,000 | 4,658,000 | 4,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 935,000 | 1,418,000 | 1,893,000 |
| Interest expense | 93,000 | 183,000 | 271,000 | 348,000 |
| Net interest income | 370,000 | 752,000 | 1,147,000 | 1,545,000 |
| Noninterest income | 49,000 | 109,000 | 183,000 | 243,000 |
| Noninterest expense | 275,000 | 541,000 | 831,000 | 1,152,000 |
| Provision for loan losses | 24,000 | 24,000 | 24,000 | 24,000 |
| Pretax income | 120,000 | 296,000 | 475,000 | 612,000 |
| Income tax | 45,000 | 95,000 | 153,000 | 190,000 |
| Net income | 75,000 | 201,000 | 322,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,385,000 | 4,511,000 | 4,632,000 | 4,732,000 |
| Total capital | 4,758,000 | 4,882,000 | 5,023,000 | 5,150,000 |
| Risk-weighted assets | 30,501,000 | 33,204,000 | 35,934,000 | 36,644,000 |