Call reports 2008
CBT BANK — 2008
What CBT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 331,325,000 | 330,893,000 | 330,482,000 | 337,236,000 |
| Total loans | 177,175,000 | 185,178,000 | 190,944,000 | 196,450,000 |
| Allowance for loan losses | 1,674,000 | 1,798,000 | 2,159,000 | 2,351,000 |
| Securities available for sale | 100,716,000 | 93,484,000 | 89,911,000 | 97,325,000 |
| Securities held to maturity | 6,399,000 | 6,398,000 | 6,397,000 | 6,396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,004,000 | 295,487,000 | 294,435,000 | 292,974,000 |
| Interest-bearing deposits | 260,102,000 | 258,285,000 | 256,496,000 | 257,516,000 |
| Noninterest-bearing deposits | 34,902,000 | 37,202,000 | 37,939,000 | 35,458,000 |
| Equity capital | 33,515,000 | 33,075,000 | 33,369,000 | 33,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,343,000 | 8,550,000 | 12,811,000 | 16,986,000 |
| Interest expense | 1,557,000 | 2,944,000 | 4,241,000 | 5,458,000 |
| Net interest income | 2,786,000 | 5,606,000 | 8,570,000 | 11,528,000 |
| Noninterest income | 728,000 | 1,748,000 | 2,746,000 | 3,775,000 |
| Noninterest expense | 2,657,000 | 5,379,000 | 8,041,000 | 10,949,000 |
| Provision for loan losses | 290,000 | 580,000 | 1,190,000 | 1,500,000 |
| Pretax income | 681,000 | 1,508,000 | 2,198,000 | 2,967,000 |
| Income tax | 160,000 | 381,000 | 577,000 | 731,000 |
| Net income | 521,000 | 1,127,000 | 1,621,000 | 2,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,758,000 | 21,918,000 | 21,885,000 | 22,002,000 |
| Total capital | 23,432,000 | 23,716,000 | 24,044,000 | 24,353,000 |
| Risk-weighted assets | 195,587,000 | 194,307,000 | 195,901,000 | 199,813,000 |
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