Call reports 2019
CBI BANK & TRUST — 2019
What CBI BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 538,269,000 | 541,423,000 | 576,205,000 | 526,087,000 |
| Total loans | 384,330,000 | 379,953,000 | 362,965,000 | 370,139,000 |
| Allowance for loan losses | 4,234,000 | 4,305,000 | 4,111,000 | 4,085,000 |
| Securities available for sale | 104,861,000 | 103,469,000 | 106,199,000 | 107,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,273,000 | 448,225,000 | 477,779,000 | 444,290,000 |
| Interest-bearing deposits | 402,479,000 | 389,391,000 | 410,773,000 | 376,275,000 |
| Noninterest-bearing deposits | 55,794,000 | 58,834,000 | 67,006,000 | 68,015,000 |
| Equity capital | 64,946,000 | 66,553,000 | 67,385,000 | 56,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,228,000 | 10,675,000 | 16,151,000 | 21,524,000 |
| Interest expense | 994,000 | 2,151,000 | 3,417,000 | 4,528,000 |
| Net interest income | 4,234,000 | 8,524,000 | 12,734,000 | 16,996,000 |
| Noninterest income | 1,240,000 | 2,566,000 | 4,103,000 | 5,427,000 |
| Noninterest expense | 3,645,000 | 7,410,000 | 11,138,000 | 14,871,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,726,000 | 3,503,000 | 5,447,000 | 7,225,000 |
| Income tax | 365,000 | 757,000 | 1,194,000 | 1,587,000 |
| Net income | 1,361,000 | 2,746,000 | 4,253,000 | 5,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,157,000 | 63,855,000 | 64,534,000 | 53,472,000 |
| Total capital | 67,391,000 | 68,160,000 | 68,645,000 | 57,557,000 |
| Risk-weighted assets | 409,451,000 | 409,045,000 | 395,555,000 | 403,713,000 |