Call reports 2013
CBT BANK — 2013
What CBT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 417,322,000 | 415,255,000 | 424,821,000 | 425,680,000 |
| Total loans | 269,162,000 | 276,938,000 | 282,068,000 | 282,066,000 |
| Allowance for loan losses | 3,348,000 | 3,290,000 | 3,275,000 | 3,108,000 |
| Securities available for sale | 101,887,000 | 90,385,000 | 99,222,000 | 98,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,687,000 | 355,295,000 | 365,125,000 | 365,610,000 |
| Interest-bearing deposits | 303,280,000 | 303,842,000 | 308,510,000 | 311,988,000 |
| Noninterest-bearing deposits | 53,407,000 | 51,453,000 | 56,615,000 | 53,622,000 |
| Equity capital | 51,000,000 | 50,503,000 | 50,395,000 | 50,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,023,000 | 7,990,000 | 12,007,000 | 16,009,000 |
| Interest expense | 658,000 | 1,290,000 | 1,902,000 | 2,466,000 |
| Net interest income | 3,365,000 | 6,700,000 | 10,105,000 | 13,543,000 |
| Noninterest income | 1,029,000 | 2,200,000 | 3,306,000 | 4,407,000 |
| Noninterest expense | 3,210,000 | 6,763,000 | 10,499,000 | 14,461,000 |
| Provision for loan losses | 225,000 | 225,000 | 300,000 | 350,000 |
| Pretax income | 1,000,000 | 2,045,000 | 2,991,000 | 3,518,000 |
| Income tax | 222,000 | 461,000 | 669,000 | 732,000 |
| Net income | 778,000 | 1,584,000 | 2,322,000 | 2,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,483,000 | 41,023,000 | 41,789,000 | 42,263,000 |
| Total capital | 43,800,000 | 44,319,000 | 45,067,000 | 45,371,000 |
| Risk-weighted assets | 262,440,000 | 269,618,000 | 270,249,000 | 268,234,000 |
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