Call reports 2019
CEDAR SECURITY BANK — 2019
What CEDAR SECURITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 47,061,000 | 46,480,000 | 48,559,000 | 48,433,000 |
| Total loans | 32,030,000 | 32,773,000 | 33,528,000 | 32,579,000 |
| Allowance for loan losses | 1,811,000 | 1,825,000 | 1,851,000 | 1,910,000 |
| Securities available for sale | 3,651,000 | 2,920,000 | 2,719,000 | 2,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,164,000 | 36,547,000 | 38,471,000 | 38,659,000 |
| Interest-bearing deposits | 30,559,000 | 29,499,000 | 31,183,000 | 30,911,000 |
| Noninterest-bearing deposits | 6,605,000 | 7,048,000 | 7,289,000 | 7,748,000 |
| Equity capital | 7,090,000 | 7,229,000 | 7,356,000 | 7,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,071,000 | 1,637,000 | 2,195,000 |
| Interest expense | 68,000 | 145,000 | 223,000 | 311,000 |
| Net interest income | 453,000 | 926,000 | 1,414,000 | 1,884,000 |
| Noninterest income | 62,000 | 132,000 | 194,000 | 267,000 |
| Noninterest expense | 389,000 | 763,000 | 1,133,000 | 1,500,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 114,000 | 271,000 | 439,000 | 603,000 |
| Income tax | 28,000 | 62,000 | 100,000 | 140,000 |
| Net income | 86,000 | 209,000 | 339,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,090,000 | 7,229,000 | 7,360,000 | 7,486,000 |
| Total capital | 7,625,000 | 7,774,000 | 7,916,000 | 8,040,000 |
| Risk-weighted assets | 41,558,000 | 42,297,000 | 43,093,000 | 42,990,000 |