Call reports 2014
CEDAR SECURITY BANK — 2014
What CEDAR SECURITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 50,251,000 | 48,770,000 | 50,576,000 | 51,140,000 |
| Total loans | 42,487,000 | 43,036,000 | 44,791,000 | 45,734,000 |
| Allowance for loan losses | 593,000 | 645,000 | 704,000 | 1,171,000 |
| Securities available for sale | 2,474,000 | 2,239,000 | 1,786,000 | 1,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,381,000 | 39,778,000 | 41,456,000 | 42,522,000 |
| Interest-bearing deposits | 34,085,000 | 34,060,000 | 36,044,000 | 36,435,000 |
| Noninterest-bearing deposits | 6,296,000 | 5,718,000 | 5,412,000 | 6,087,000 |
| Equity capital | 6,004,000 | 6,244,000 | 6,388,000 | 5,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 561,000 | 1,109,000 | 1,711,000 | 2,327,000 |
| Interest expense | 58,000 | 138,000 | 204,000 | 272,000 |
| Net interest income | 503,000 | 971,000 | 1,507,000 | 2,055,000 |
| Noninterest income | 100,000 | 295,000 | 367,000 | 411,000 |
| Noninterest expense | 323,000 | 629,000 | 950,000 | 1,261,000 |
| Provision for loan losses | 0 | 50,000 | 125,000 | 1,130,000 |
| Pretax income | 280,000 | 587,000 | 799,000 | 75,000 |
| Income tax | 90,000 | 164,000 | 229,000 | -16,000 |
| Net income | 190,000 | 423,000 | 570,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,004,000 | 6,230,000 | 6,377,000 | 5,898,000 |
| Total capital | 6,567,000 | 6,800,000 | 6,969,000 | 6,504,000 |
| Risk-weighted assets | 48,427,000 | 45,474,000 | 47,411,000 | 48,063,000 |