Call reports 2012
CBT BANK — 2012
What CBT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 404,839,000 | 403,271,000 | 411,628,000 | 417,568,000 |
| Total loans | 247,308,000 | 254,625,000 | 264,094,000 | 268,065,000 |
| Allowance for loan losses | 3,626,000 | 3,154,000 | 3,232,000 | 3,187,000 |
| Securities available for sale | 113,386,000 | 111,914,000 | 99,888,000 | 94,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,142,000 | 342,391,000 | 349,884,000 | 356,666,000 |
| Interest-bearing deposits | 295,518,000 | 295,057,000 | 295,512,000 | 305,548,000 |
| Noninterest-bearing deposits | 49,624,000 | 47,334,000 | 54,372,000 | 51,118,000 |
| Equity capital | 49,508,000 | 50,297,000 | 50,844,000 | 50,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,286,000 | 8,440,000 | 12,610,000 | 16,748,000 |
| Interest expense | 786,000 | 1,531,000 | 2,252,000 | 2,944,000 |
| Net interest income | 3,500,000 | 6,909,000 | 10,358,000 | 13,804,000 |
| Noninterest income | 971,000 | 2,191,000 | 3,302,000 | 4,334,000 |
| Noninterest expense | 3,231,000 | 6,595,000 | 10,022,000 | 13,460,000 |
| Provision for loan losses | 250,000 | 300,000 | 475,000 | 875,000 |
| Pretax income | 1,208,000 | 2,423,000 | 3,774,000 | 4,414,000 |
| Income tax | 292,000 | 588,000 | 931,000 | 1,040,000 |
| Net income | 916,000 | 1,835,000 | 2,843,000 | 3,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,394,000 | 39,016,000 | 39,593,000 | 39,939,000 |
| Total capital | 41,450,000 | 42,144,000 | 42,862,000 | 43,169,000 |
| Risk-weighted assets | 241,175,000 | 246,456,000 | 256,553,000 | 261,736,000 |
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