Call reports 2008
CBI BANK & TRUST — 2008
What CBI BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 279,217,000 | 265,186,000 | 268,736,000 | 260,782,000 |
| Total loans | 161,736,000 | 159,086,000 | 163,332,000 | 154,046,000 |
| Allowance for loan losses | 2,468,000 | 2,858,000 | 2,928,000 | 2,666,000 |
| Securities available for sale | 66,384,000 | 68,624,000 | 66,026,000 | 76,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,189,000 | 218,082,000 | 220,515,000 | 215,895,000 |
| Interest-bearing deposits | 200,292,000 | 189,036,000 | 192,273,000 | 186,037,000 |
| Noninterest-bearing deposits | 31,897,000 | 29,046,000 | 28,242,000 | 29,858,000 |
| Equity capital | 22,243,000 | 21,914,000 | 22,155,000 | 21,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,583,000 | 7,083,000 | 10,515,000 | 13,892,000 |
| Interest expense | 1,534,000 | 2,930,000 | 4,220,000 | 5,319,000 |
| Net interest income | 2,049,000 | 4,153,000 | 6,295,000 | 8,573,000 |
| Noninterest income | 690,000 | 1,578,000 | 2,357,000 | 3,145,000 |
| Noninterest expense | 1,947,000 | 3,938,000 | 5,883,000 | 7,909,000 |
| Provision for loan losses | 60,000 | 328,000 | 388,000 | 448,000 |
| Pretax income | 732,000 | 1,503,000 | 2,419,000 | 3,399,000 |
| Income tax | 143,000 | 282,000 | 459,000 | 677,000 |
| Net income | 589,000 | 1,221,000 | 1,960,000 | 2,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,993,000 | 22,402,000 | 22,894,000 | 23,643,000 |
| Total capital | 24,367,000 | 24,628,000 | 25,176,000 | 25,938,000 |
| Risk-weighted assets | 189,835,000 | 184,622,000 | 188,157,000 | 183,198,000 |
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