Call reports 2010
CBI BANK & TRUST — 2010
What CBI BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 272,351,000 | 284,576,000 | 284,126,000 | 287,976,000 |
| Total loans | 159,176,000 | 156,686,000 | 154,840,000 | 143,716,000 |
| Allowance for loan losses | 3,026,000 | 2,967,000 | 2,504,000 | 3,272,000 |
| Securities available for sale | 78,125,000 | 85,904,000 | 102,093,000 | 103,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,429,000 | 230,920,000 | 229,286,000 | 234,915,000 |
| Interest-bearing deposits | 196,254,000 | 200,849,000 | 198,678,000 | 204,354,000 |
| Noninterest-bearing deposits | 27,175,000 | 30,071,000 | 30,608,000 | 30,561,000 |
| Equity capital | 23,606,000 | 23,741,000 | 24,980,000 | 23,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,932,000 | 5,882,000 | 8,947,000 | 11,769,000 |
| Interest expense | 752,000 | 1,496,000 | 2,221,000 | 2,910,000 |
| Net interest income | 2,180,000 | 4,386,000 | 6,726,000 | 8,859,000 |
| Noninterest income | 649,000 | 1,339,000 | 1,997,000 | 2,891,000 |
| Noninterest expense | 2,144,000 | 4,373,000 | 6,554,000 | 8,652,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 2,100,000 |
| Pretax income | 535,000 | 1,291,000 | 1,958,000 | 1,237,000 |
| Income tax | 59,000 | 200,000 | 303,000 | -107,000 |
| Net income | 476,000 | 1,091,000 | 1,655,000 | 1,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,259,000 | 24,379,000 | 24,949,000 | 24,631,000 |
| Total capital | 26,631,000 | 26,599,000 | 27,306,000 | 26,848,000 |
| Risk-weighted assets | 189,120,000 | 185,153,000 | 188,412,000 | 176,332,000 |