Call reports 2004
CEDAR CREEK BANK — 2004
What CEDAR CREEK BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 105,529,000 | 104,922,000 | 104,866,000 |
| Total loans | 52,581,000 | 51,430,000 | 50,333,000 |
| Allowance for loan losses | 649,000 | 656,000 | 654,000 |
| Securities available for sale | 20,889,000 | 28,283,000 | 11,569,000 |
| Securities held to maturity | 216,000 | 186,000 | 162,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 94,197,000 | 93,842,000 | 93,207,000 |
| Interest-bearing deposits | 69,069,000 | 69,408,000 | 68,599,000 |
| Noninterest-bearing deposits | 25,128,000 | 24,434,000 | 24,608,000 |
| Equity capital | 11,218,000 | 10,858,000 | 11,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Interest income | 1,238,000 | 2,444,000 | 3,641,000 |
| Interest expense | 227,000 | 445,000 | 662,000 |
| Net interest income | 1,011,000 | 1,999,000 | 2,979,000 |
| Noninterest income | 312,000 | 649,000 | 1,001,000 |
| Noninterest expense | 994,000 | 1,952,000 | 2,920,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 329,000 | 696,000 | 1,150,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 329,000 | 696,000 | 1,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 10,981,000 | 10,998,000 | 11,452,000 |
| Total capital | 11,630,000 | 11,654,000 | 12,106,000 |
| Risk-weighted assets | 62,011,000 | 61,348,000 | 58,599,000 |