Call reports 2016
CEDAR SECURITY BANK — 2016
What CEDAR SECURITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 54,141,000 | 52,357,000 | 53,999,000 | 52,774,000 |
| Total loans | 45,498,000 | 44,614,000 | 45,035,000 | 42,610,000 |
| Allowance for loan losses | 1,537,000 | 1,903,000 | 1,986,000 | 1,763,000 |
| Securities available for sale | 2,268,000 | 2,242,000 | 2,837,000 | 2,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,648,000 | 43,618,000 | 45,238,000 | 43,999,000 |
| Interest-bearing deposits | 37,984,000 | 36,099,000 | 38,375,000 | 36,710,000 |
| Noninterest-bearing deposits | 7,664,000 | 7,519,000 | 6,863,000 | 7,289,000 |
| Equity capital | 6,157,000 | 6,167,000 | 6,229,000 | 6,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 616,000 | 1,411,000 | 1,992,000 | 2,579,000 |
| Interest expense | 69,000 | 136,000 | 205,000 | 278,000 |
| Net interest income | 547,000 | 1,275,000 | 1,787,000 | 2,301,000 |
| Noninterest income | 37,000 | 91,000 | 133,000 | 183,000 |
| Noninterest expense | 342,000 | 706,000 | 1,069,000 | 1,507,000 |
| Provision for loan losses | 189,000 | 603,000 | 703,000 | 778,000 |
| Pretax income | 53,000 | 57,000 | 148,000 | 199,000 |
| Income tax | 17,000 | 17,000 | 43,000 | 55,000 |
| Net income | 36,000 | 40,000 | 105,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,152,000 | 6,157,000 | 6,219,000 | 6,261,000 |
| Total capital | 6,848,000 | 6,843,000 | 6,915,000 | 6,931,000 |
| Risk-weighted assets | 54,701,000 | 53,676,000 | 54,388,000 | 52,516,000 |