Call reports 2003
CEDARS BANK — 2003
What CEDARS 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 | 369,020,000 | 404,650,000 | 385,407,000 | 401,122,000 |
| Total loans | 269,892,000 | 277,209,000 | 277,043,000 | 297,844,000 |
| Allowance for loan losses | 3,362,000 | 3,336,000 | 3,509,000 | 3,411,000 |
| Securities available for sale | 34,124,000 | 42,189,000 | 40,767,000 | 40,812,000 |
| Securities held to maturity | 26,318,000 | 36,321,000 | 37,099,000 | 34,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,863,000 | 336,577,000 | 322,770,000 | 332,434,000 |
| Interest-bearing deposits | 250,117,000 | 266,628,000 | 251,038,000 | 258,861,000 |
| Noninterest-bearing deposits | 63,746,000 | 69,949,000 | 71,732,000 | 73,573,000 |
| Equity capital | 32,103,000 | 33,410,000 | 34,398,000 | 35,923,000 |
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 | 4,667,000 | 9,463,000 | 14,230,000 | 19,087,000 |
| Interest expense | 1,313,000 | 2,619,000 | 3,839,000 | 4,956,000 |
| Net interest income | 3,354,000 | 6,844,000 | 10,391,000 | 14,131,000 |
| Noninterest income | 397,000 | 756,000 | 1,126,000 | 1,518,000 |
| Noninterest expense | 2,122,000 | 4,198,000 | 6,092,000 | 8,302,000 |
| Provision for loan losses | 175,000 | 350,000 | 450,000 | 450,000 |
| Pretax income | 1,649,000 | 3,902,000 | 5,842,000 | 7,739,000 |
| Income tax | 540,000 | 1,325,000 | 2,035,000 | 2,717,000 |
| Net income | 1,109,000 | 2,577,000 | 3,807,000 | 5,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,743,000 | 33,211,000 | 34,440,000 | 35,956,000 |
| Total capital | 35,105,000 | 36,547,000 | 37,949,000 | 39,377,000 |
| Risk-weighted assets | 307,356,000 | 317,552,000 | 318,881,000 | 335,790,000 |