Call reports 2015
CEDAR SECURITY BANK — 2015
What CEDAR SECURITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 50,678,000 | 50,218,000 | 51,335,000 | 53,490,000 |
| Total loans | 43,942,000 | 45,154,000 | 45,708,000 | 47,170,000 |
| Allowance for loan losses | 1,221,000 | 1,295,000 | 1,393,000 | 1,355,000 |
| Securities available for sale | 1,766,000 | 1,728,000 | 1,695,000 | 2,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,057,000 | 41,492,000 | 42,677,000 | 45,011,000 |
| Interest-bearing deposits | 35,667,000 | 35,322,000 | 36,218,000 | 37,707,000 |
| Noninterest-bearing deposits | 6,390,000 | 6,170,000 | 6,459,000 | 7,304,000 |
| Equity capital | 6,014,000 | 6,014,000 | 6,069,000 | 6,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 593,000 | 1,163,000 | 1,760,000 | 2,367,000 |
| Interest expense | 66,000 | 131,000 | 197,000 | 264,000 |
| Net interest income | 527,000 | 1,032,000 | 1,563,000 | 2,103,000 |
| Noninterest income | 61,000 | 142,000 | 219,000 | 260,000 |
| Noninterest expense | 296,000 | 609,000 | 926,000 | 1,277,000 |
| Provision for loan losses | 125,000 | 400,000 | 610,000 | 760,000 |
| Pretax income | 167,000 | 165,000 | 246,000 | 326,000 |
| Income tax | 60,000 | 53,000 | 83,000 | 107,000 |
| Net income | 107,000 | 112,000 | 163,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,000,000 | 6,009,000 | 6,057,000 | 6,116,000 |
| Total capital | 6,628,000 | 6,663,000 | 6,747,000 | 6,826,000 |
| Risk-weighted assets | 49,663,000 | 50,971,000 | 54,527,000 | 56,071,000 |