Call reports 2002
CEDARS BANK — 2002
What CEDARS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 308,081,000 | 324,140,000 | 330,262,000 | 349,363,000 |
| Total loans | 214,941,000 | 243,042,000 | 243,166,000 | 253,380,000 |
| Allowance for loan losses | 2,747,000 | 2,839,000 | 2,983,000 | 3,188,000 |
| Securities available for sale | 28,830,000 | 30,270,000 | 32,230,000 | 33,783,000 |
| Securities held to maturity | 23,951,000 | 26,943,000 | 32,944,000 | 36,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,983,000 | 273,517,000 | 278,175,000 | 295,563,000 |
| Interest-bearing deposits | 211,686,000 | 221,397,000 | 218,052,000 | 233,001,000 |
| Noninterest-bearing deposits | 56,297,000 | 52,120,000 | 60,123,000 | 62,562,000 |
| Equity capital | 23,305,000 | 28,719,000 | 29,983,000 | 31,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,355,000 | 8,777,000 | 13,435,000 | 18,071,000 |
| Interest expense | 1,588,000 | 3,128,000 | 4,646,000 | 6,044,000 |
| Net interest income | 2,767,000 | 5,649,000 | 8,789,000 | 12,027,000 |
| Noninterest income | 414,000 | 792,000 | 1,118,000 | 1,454,000 |
| Noninterest expense | 1,949,000 | 3,922,000 | 5,858,000 | 7,847,000 |
| Provision for loan losses | 140,000 | 215,000 | 355,000 | 555,000 |
| Pretax income | 1,104,000 | 2,367,000 | 3,999,000 | 5,529,000 |
| Income tax | 380,000 | 850,000 | 1,445,000 | 1,980,000 |
| Net income | 724,000 | 1,517,000 | 2,554,000 | 3,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,452,000 | 28,478,000 | 29,515,000 | 30,624,000 |
| Total capital | 26,199,000 | 31,317,000 | 32,498,000 | 33,812,000 |
| Risk-weighted assets | 252,338,000 | 277,369,000 | 276,309,000 | 291,341,000 |