Call reports 2004
CEDARS BANK — 2004
What CEDARS 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 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 434,079,000 | 420,763,000 | 426,406,000 | 455,997,000 |
| Total loans | 290,234,000 | 301,163,000 | 326,102,000 | 346,460,000 |
| Allowance for loan losses | 3,550,000 | 3,556,000 | 3,718,000 | 3,605,000 |
| Securities available for sale | 66,668,000 | 38,511,000 | 39,378,000 | 39,159,000 |
| Securities held to maturity | 29,877,000 | 40,962,000 | 40,926,000 | 39,887,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,260,000 | 339,453,000 | 336,369,000 | 379,821,000 |
| Interest-bearing deposits | 282,731,000 | 268,928,000 | 266,313,000 | 305,694,000 |
| Noninterest-bearing deposits | 80,529,000 | 70,525,000 | 70,056,000 | 74,127,000 |
| Equity capital | 37,622,000 | 38,381,000 | 40,197,000 | 42,323,000 |
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 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,073,000 | 10,127,000 | 15,504,000 | 21,629,000 |
| Interest expense | 1,129,000 | 2,228,000 | 3,426,000 | 4,908,000 |
| Net interest income | 3,944,000 | 7,899,000 | 12,078,000 | 16,721,000 |
| Noninterest income | 379,000 | 792,000 | 1,183,000 | 1,575,000 |
| Noninterest expense | 2,173,000 | 4,443,000 | 6,678,000 | 9,952,000 |
| Provision for loan losses | 125,000 | 125,000 | 245,000 | 126,000 |
| Pretax income | 2,169,000 | 4,186,000 | 6,338,000 | 8,091,000 |
| Income tax | 832,000 | 1,570,000 | 2,345,000 | 2,970,000 |
| Net income | 1,337,000 | 2,616,000 | 3,993,000 | 5,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,495,000 | 38,849,000 | 40,302,000 | 42,507,000 |
| Total capital | 41,045,000 | 42,405,000 | 44,020,000 | 46,551,000 |
| Risk-weighted assets | 332,316,000 | 336,771,000 | 359,960,000 | 386,710,000 |