Call reports 2016
CBI BANK & TRUST — 2016
What CBI BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 515,324,000 | 501,839,000 | 536,480,000 | 529,583,000 |
| Total loans | 343,168,000 | 341,658,000 | 378,693,000 | 374,047,000 |
| Allowance for loan losses | 3,962,000 | 4,028,000 | 4,124,000 | 3,928,000 |
| Securities available for sale | 97,517,000 | 90,800,000 | 92,963,000 | 99,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,284,000 | 432,690,000 | 459,761,000 | 460,824,000 |
| Interest-bearing deposits | 383,574,000 | 361,387,000 | 402,460,000 | 393,983,000 |
| Noninterest-bearing deposits | 55,710,000 | 71,303,000 | 57,301,000 | 66,841,000 |
| Equity capital | 57,515,000 | 57,097,000 | 57,965,000 | 57,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,385,000 | 8,723,000 | 13,299,000 | 18,038,000 |
| Interest expense | 425,000 | 853,000 | 1,326,000 | 1,792,000 |
| Net interest income | 3,960,000 | 7,870,000 | 11,973,000 | 16,246,000 |
| Noninterest income | 1,124,000 | 2,312,000 | 3,569,000 | 4,879,000 |
| Noninterest expense | 3,163,000 | 6,486,000 | 10,068,000 | 13,572,000 |
| Provision for loan losses | 60,000 | 120,000 | 195,000 | 270,000 |
| Pretax income | 1,943,000 | 3,684,000 | 5,377,000 | 7,381,000 |
| Income tax | 549,000 | 1,040,000 | 1,510,000 | 2,105,000 |
| Net income | 1,394,000 | 2,644,000 | 3,867,000 | 5,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,925,000 | 53,182,000 | 53,403,000 | 54,287,000 |
| Total capital | 57,887,000 | 57,210,000 | 57,527,000 | 58,215,000 |
| Risk-weighted assets | 363,603,000 | 360,810,000 | 386,838,000 | 391,524,000 |