Call reports 2003
CEDAR CREEK BANK — 2003
What CEDAR CREEK BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 105,432,000 | 106,771,000 | 104,584,000 | 104,266,000 |
| Total loans | 53,716,000 | 54,936,000 | 53,507,000 | 53,196,000 |
| Allowance for loan losses | 786,000 | 717,000 | 721,000 | 651,000 |
| Securities available for sale | 29,181,000 | 23,403,000 | 25,346,000 | 28,584,000 |
| Securities held to maturity | 498,000 | 415,000 | 326,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,997,000 | 95,326,000 | 93,338,000 | 92,895,000 |
| Interest-bearing deposits | 70,939,000 | 71,706,000 | 69,643,000 | 69,897,000 |
| Noninterest-bearing deposits | 23,058,000 | 23,620,000 | 23,695,000 | 22,998,000 |
| Equity capital | 11,277,000 | 11,215,000 | 10,998,000 | 10,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,406,000 | 2,783,000 | 4,145,000 | 5,458,000 |
| Interest expense | 340,000 | 645,000 | 921,000 | 1,173,000 |
| Net interest income | 1,066,000 | 2,138,000 | 3,224,000 | 4,285,000 |
| Noninterest income | 271,000 | 579,000 | 877,000 | 1,177,000 |
| Noninterest expense | 939,000 | 1,904,000 | 2,875,000 | 4,032,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 398,000 | 813,000 | 1,230,000 | 1,384,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 398,000 | 813,000 | 1,230,000 | 1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,780,000 | 10,801,000 | 10,724,000 | 10,719,000 |
| Total capital | 11,527,000 | 11,518,000 | 11,445,000 | 11,370,000 |
| Risk-weighted assets | 59,761,000 | 64,488,000 | 62,197,000 | 62,774,000 |