Call reports 2025
CEDAR SECURITY BANK — 2025
What CEDAR SECURITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 59,961,000 | 60,279,000 | 59,662,000 | 60,421,000 |
| Total loans | 30,393,000 | 31,942,000 | 33,616,000 | 34,127,000 |
| Allowance for loan losses | 995,000 | 888,000 | 889,000 | 791,000 |
| Securities available for sale | 12,223,000 | 10,998,000 | 10,801,000 | 8,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,637,000 | 47,913,000 | 47,040,000 | 47,662,000 |
| Interest-bearing deposits | 33,972,000 | 35,445,000 | 36,109,000 | 32,582,000 |
| Noninterest-bearing deposits | 13,665,000 | 12,468,000 | 10,931,000 | 15,080,000 |
| Equity capital | 10,131,000 | 10,341,000 | 10,593,000 | 10,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 726,000 | 1,491,000 | 2,329,000 | 3,150,000 |
| Interest expense | 137,000 | 280,000 | 424,000 | 562,000 |
| Net interest income | 589,000 | 1,211,000 | 1,905,000 | 2,588,000 |
| Noninterest income | 62,000 | 108,000 | 161,000 | 217,000 |
| Noninterest expense | 361,000 | 706,000 | 1,093,000 | 1,495,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 200,000 |
| Pretax income | 290,000 | 513,000 | 873,000 | 1,110,000 |
| Income tax | 56,000 | 110,000 | 190,000 | 250,000 |
| Net income | 234,000 | 403,000 | 683,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,430,000 | 10,055,000 | 10,747,000 | 10,891,000 |