Call reports 2015
CBI BANK & TRUST — 2015
What CBI BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 464,109,000 | 507,370,000 | 502,080,000 | 490,505,000 |
| Total loans | 307,571,000 | 325,116,000 | 328,847,000 | 337,373,000 |
| Allowance for loan losses | 3,719,000 | 3,821,000 | 3,839,000 | 3,860,000 |
| Securities available for sale | 95,149,000 | 136,989,000 | 114,604,000 | 106,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,843,000 | 439,287,000 | 438,597,000 | 429,882,000 |
| Interest-bearing deposits | 344,202,000 | 386,547,000 | 386,542,000 | 371,642,000 |
| Noninterest-bearing deposits | 62,641,000 | 52,740,000 | 52,055,000 | 58,240,000 |
| Equity capital | 46,188,000 | 53,132,000 | 54,833,000 | 55,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,808,000 | 8,059,000 | 12,383,000 | 16,732,000 |
| Interest expense | 321,000 | 817,000 | 1,287,000 | 1,732,000 |
| Net interest income | 3,487,000 | 7,242,000 | 11,096,000 | 15,000,000 |
| Noninterest income | 1,120,000 | 2,495,000 | 3,767,000 | 5,250,000 |
| Noninterest expense | 3,092,000 | 6,526,000 | 9,844,000 | 13,416,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,485,000 | 3,211,000 | 5,042,000 | 6,903,000 |
| Income tax | 400,000 | 883,000 | 1,384,000 | 1,889,000 |
| Net income | 1,085,000 | 2,328,000 | 3,658,000 | 5,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,767,000 | 49,026,000 | 50,764,000 | 52,554,000 |
| Total capital | 45,486,000 | 52,847,000 | 54,603,000 | 56,414,000 |
| Risk-weighted assets | 326,629,000 | 355,516,000 | 356,469,000 | 355,189,000 |