Call reports 2004
CBI BANK & TRUST — 2004
What CBI BANK & TRUST 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 | 271,621,000 | 267,717,000 | 278,975,000 | 267,731,000 |
| Total loans | 139,209,000 | 142,763,000 | 143,876,000 | 146,450,000 |
| Allowance for loan losses | 1,992,000 | 2,390,000 | 2,417,000 | 2,222,000 |
| Securities available for sale | 100,787,000 | 98,504,000 | 97,546,000 | 93,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,771,000 | 215,127,000 | 224,032,000 | 211,290,000 |
| Interest-bearing deposits | 193,776,000 | 191,040,000 | 198,197,000 | 180,628,000 |
| Noninterest-bearing deposits | 22,995,000 | 24,087,000 | 25,835,000 | 30,662,000 |
| Equity capital | 26,869,000 | 25,463,000 | 27,289,000 | 27,357,000 |
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 | 3,228,000 | 6,436,000 | 9,685,000 | 12,963,000 |
| Interest expense | 915,000 | 1,818,000 | 2,729,000 | 3,680,000 |
| Net interest income | 2,313,000 | 4,618,000 | 6,956,000 | 9,283,000 |
| Noninterest income | 733,000 | 1,757,000 | 2,595,000 | 3,435,000 |
| Noninterest expense | 1,851,000 | 3,797,000 | 5,697,000 | 7,657,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 200,000 |
| Pretax income | 1,135,000 | 2,458,000 | 3,674,000 | 4,861,000 |
| Income tax | 330,000 | 711,000 | 1,045,000 | 1,318,000 |
| Net income | 805,000 | 1,747,000 | 2,629,000 | 3,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,238,000 | 25,631,000 | 26,409,000 | 26,727,000 |
| Total capital | 27,230,000 | 27,734,000 | 28,572,000 | 28,913,000 |
| Risk-weighted assets | 178,336,000 | 168,004,000 | 172,571,000 | 174,874,000 |
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