Call reports 2020
CBI BANK & TRUST — 2020
What CBI BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 539,329,000 | 681,726,000 | 681,272,000 | 705,190,000 |
| Total loans | 388,063,000 | 489,159,000 | 467,728,000 | 451,819,000 |
| Allowance for loan losses | 4,160,000 | 4,823,000 | 5,145,000 | 5,468,000 |
| Securities available for sale | 102,234,000 | 113,485,000 | 126,546,000 | 149,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,994,000 | 572,795,000 | 586,260,000 | 597,230,000 |
| Interest-bearing deposits | 395,588,000 | 472,400,000 | 487,294,000 | 489,773,000 |
| Noninterest-bearing deposits | 59,406,000 | 100,395,000 | 98,966,000 | 107,457,000 |
| Equity capital | 58,453,000 | 78,218,000 | 79,121,000 | 80,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,170,000 | 12,894,000 | 18,899,000 | 24,862,000 |
| Interest expense | 982,000 | 2,127,000 | 2,955,000 | 3,670,000 |
| Net interest income | 4,188,000 | 10,767,000 | 15,944,000 | 21,192,000 |
| Noninterest income | 1,520,000 | 3,280,000 | 5,333,000 | 8,157,000 |
| Noninterest expense | 3,802,000 | 10,079,000 | 14,800,000 | 19,560,000 |
| Provision for loan losses | 100,000 | 823,000 | 1,202,000 | 2,167,000 |
| Pretax income | 1,794,000 | 3,133,000 | 5,263,000 | 7,610,000 |
| Income tax | 392,000 | 651,000 | 1,122,000 | 1,643,000 |
| Net income | 1,402,000 | 2,482,000 | 4,141,000 | 5,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,627,000 | 67,150,000 | 68,575,000 | 70,156,000 |
| Total capital | 58,787,000 | 71,973,000 | 73,720,000 | 75,624,000 |
| Risk-weighted assets | 417,650,000 | 497,252,000 | 477,183,000 | 480,267,000 |