Call reports 2013
CEDAR SECURITY BANK — 2013
What CEDAR SECURITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 42,269,000 | 47,536,000 | 49,635,000 | 52,565,000 |
| Total loans | 34,124,000 | 38,754,000 | 41,354,000 | 44,524,000 |
| Allowance for loan losses | 410,000 | 465,000 | 555,000 | 592,000 |
| Securities available for sale | 3,279,000 | 3,120,000 | 3,050,000 | 2,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,393,000 | 37,133,000 | 38,628,000 | 40,456,000 |
| Interest-bearing deposits | 28,681,000 | 29,587,000 | 31,347,000 | 33,921,000 |
| Noninterest-bearing deposits | 5,712,000 | 7,546,000 | 7,281,000 | 6,535,000 |
| Equity capital | 5,408,000 | 5,511,000 | 5,644,000 | 5,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 471,000 | 986,000 | 1,537,000 | 2,147,000 |
| Interest expense | 57,000 | 114,000 | 176,000 | 236,000 |
| Net interest income | 414,000 | 872,000 | 1,361,000 | 1,911,000 |
| Noninterest income | 81,000 | 173,000 | 270,000 | 337,000 |
| Noninterest expense | 280,000 | 574,000 | 863,000 | 1,183,000 |
| Provision for loan losses | 0 | 50,000 | 150,000 | 225,000 |
| Pretax income | 215,000 | 421,000 | 618,000 | 840,000 |
| Income tax | 72,000 | 142,000 | 214,000 | 274,000 |
| Net income | 143,000 | 279,000 | 404,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,383,000 | 5,520,000 | 5,644,000 | 5,803,000 |
| Total capital | 5,793,000 | 5,987,000 | 6,199,000 | 6,394,000 |
| Risk-weighted assets | 42,014,000 | 46,830,000 | 44,880,000 | 50,581,000 |