Call reports 2012
CEDAR SECURITY BANK — 2012
What CEDAR SECURITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 40,846,000 | 41,065,000 | 41,469,000 | 42,444,000 |
| Total loans | 27,797,000 | 29,676,000 | 30,432,000 | 31,892,000 |
| Allowance for loan losses | 415,000 | 426,000 | 416,000 | 439,000 |
| Securities available for sale | 3,841,000 | 3,867,000 | 4,044,000 | 3,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,105,000 | 34,192,000 | 34,361,000 | 35,243,000 |
| Interest-bearing deposits | 28,095,000 | 27,926,000 | 27,985,000 | 28,493,000 |
| Noninterest-bearing deposits | 6,010,000 | 6,266,000 | 6,376,000 | 6,750,000 |
| Equity capital | 4,846,000 | 4,981,000 | 5,155,000 | 5,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 457,000 | 928,000 | 1,406,000 | 1,894,000 |
| Interest expense | 70,000 | 137,000 | 194,000 | 258,000 |
| Net interest income | 387,000 | 791,000 | 1,212,000 | 1,636,000 |
| Noninterest income | 83,000 | 193,000 | 323,000 | 431,000 |
| Noninterest expense | 270,000 | 552,000 | 840,000 | 1,159,000 |
| Provision for loan losses | 100,000 | 110,000 | 110,000 | 135,000 |
| Pretax income | 100,000 | 322,000 | 585,000 | 773,000 |
| Income tax | 10,000 | 101,000 | 192,000 | 264,000 |
| Net income | 90,000 | 221,000 | 393,000 | 509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,822,000 | 4,953,000 | 5,125,000 | 5,241,000 |
| Total capital | 5,220,000 | 5,374,000 | 5,541,000 | 5,680,000 |
| Risk-weighted assets | 33,379,000 | 35,610,000 | 38,717,000 | 40,581,000 |