Call reports 2015
CBT BANK — 2015
What CBT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 427,111,000 | 431,849,000 | 434,114,000 | 455,407,000 |
| Total loans | 304,020,000 | 313,879,000 | 320,818,000 | 345,925,000 |
| Allowance for loan losses | 3,299,000 | 3,337,000 | 3,288,000 | 3,219,000 |
| Securities available for sale | 87,984,000 | 81,836,000 | 77,016,000 | 73,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,178,000 | 364,807,000 | 369,710,000 | 365,040,000 |
| Interest-bearing deposits | 305,586,000 | 303,687,000 | 298,243,000 | 296,819,000 |
| Noninterest-bearing deposits | 62,592,000 | 61,120,000 | 71,467,000 | 68,221,000 |
| Equity capital | 48,757,000 | 48,857,000 | 55,002,000 | 55,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,889,000 | 7,802,000 | 11,723,000 | 15,854,000 |
| Interest expense | 435,000 | 876,000 | 1,286,000 | 1,721,000 |
| Net interest income | 3,454,000 | 6,926,000 | 10,437,000 | 14,133,000 |
| Noninterest income | 1,114,000 | 2,398,000 | 3,622,000 | 4,959,000 |
| Noninterest expense | 3,480,000 | 7,014,000 | 10,606,000 | 13,961,000 |
| Provision for loan losses | 65,000 | 140,000 | 165,000 | 475,000 |
| Pretax income | 1,101,000 | 2,248,000 | 3,366,000 | 4,734,000 |
| Income tax | 272,000 | 559,000 | 842,000 | 1,134,000 |
| Net income | 829,000 | 1,689,000 | 2,524,000 | 3,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,143,000 | 40,674,000 | 46,777,000 | 47,393,000 |
| Total capital | 43,461,000 | 44,019,000 | 50,082,000 | 50,618,000 |
| Risk-weighted assets | 290,383,000 | 294,850,000 | 299,055,000 | 323,100,000 |