Call reports 2009
CBI BANK & TRUST — 2009
What CBI BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 269,908,000 | 266,119,000 | 268,630,000 | 273,140,000 |
| Total loans | 155,382,000 | 156,303,000 | 156,458,000 | 158,268,000 |
| Allowance for loan losses | 2,402,000 | 2,043,000 | 2,303,000 | 3,056,000 |
| Securities available for sale | 70,882,000 | 83,138,000 | 79,303,000 | 83,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,633,000 | 219,227,000 | 222,929,000 | 223,693,000 |
| Interest-bearing deposits | 193,365,000 | 190,235,000 | 191,227,000 | 191,246,000 |
| Noninterest-bearing deposits | 26,268,000 | 28,992,000 | 31,702,000 | 32,447,000 |
| Equity capital | 22,631,000 | 21,868,000 | 23,656,000 | 23,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,073,000 | 6,114,000 | 9,194,000 | 12,240,000 |
| Interest expense | 940,000 | 1,871,000 | 2,745,000 | 3,550,000 |
| Net interest income | 2,133,000 | 4,243,000 | 6,449,000 | 8,690,000 |
| Noninterest income | 722,000 | 1,495,000 | 2,249,000 | 3,078,000 |
| Noninterest expense | 1,975,000 | 4,168,000 | 6,275,000 | 8,499,000 |
| Provision for loan losses | 60,000 | 120,000 | 510,000 | 1,300,000 |
| Pretax income | 820,000 | 1,450,000 | 1,912,000 | 1,968,000 |
| Income tax | 170,000 | 272,000 | 307,000 | 195,000 |
| Net income | 650,000 | 1,178,000 | 1,605,000 | 1,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,098,000 | 23,380,000 | 23,812,000 | 23,953,000 |
| Total capital | 26,421,000 | 25,423,000 | 26,115,000 | 26,359,000 |
| Risk-weighted assets | 185,750,000 | 186,833,000 | 192,868,000 | 191,816,000 |
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