Call reports 2001
CEDARS BANK — 2001
What CEDARS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 260,294,000 | 275,196,000 | 264,863,000 | 302,038,000 |
| Total loans | 170,262,000 | 182,352,000 | 198,862,000 | 219,486,000 |
| Allowance for loan losses | 2,080,000 | 2,212,000 | 2,392,000 | 2,605,000 |
| Securities available for sale | 25,619,000 | 27,206,000 | 28,055,000 | 28,927,000 |
| Securities held to maturity | 28,888,000 | 28,634,000 | 25,269,000 | 29,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,127,000 | 242,048,000 | 229,243,000 | 262,217,000 |
| Interest-bearing deposits | 194,980,000 | 200,085,000 | 189,331,000 | 209,817,000 |
| Noninterest-bearing deposits | 35,147,000 | 41,963,000 | 39,912,000 | 52,400,000 |
| Equity capital | 19,681,000 | 21,383,000 | 22,285,000 | 22,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,956,000 | 9,703,000 | 14,449,000 | 18,865,000 |
| Interest expense | 2,662,000 | 5,220,000 | 7,426,000 | 9,318,000 |
| Net interest income | 2,294,000 | 4,483,000 | 7,023,000 | 9,547,000 |
| Noninterest income | 391,000 | 730,000 | 1,061,000 | 1,419,000 |
| Noninterest expense | 1,796,000 | 3,428,000 | 5,188,000 | 7,106,000 |
| Provision for loan losses | 120,000 | 245,000 | 420,000 | 645,000 |
| Pretax income | 1,028,000 | 1,822,000 | 3,023,000 | 4,010,000 |
| Income tax | 400,000 | 730,000 | 1,210,000 | 1,480,000 |
| Net income | 628,000 | 1,092,000 | 1,813,000 | 2,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,605,000 | 21,284,000 | 22,005,000 | 22,722,000 |
| Total capital | 21,685,000 | 23,496,000 | 24,397,000 | 25,326,000 |
| Risk-weighted assets | 203,336,000 | 221,451,000 | 232,572,000 | 251,297,000 |