Call reports 2016
CBT BANK — 2016
What CBT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 457,244,000 | 462,147,000 | 466,888,000 | 480,698,000 |
| Total loans | 350,967,000 | 358,857,000 | 366,234,000 | 386,280,000 |
| Allowance for loan losses | 3,328,000 | 3,307,000 | 3,316,000 | 3,617,000 |
| Securities available for sale | 67,405,000 | 62,355,000 | 59,730,000 | 56,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,775,000 | 397,500,000 | 402,932,000 | 400,295,000 |
| Interest-bearing deposits | 324,214,000 | 331,328,000 | 331,204,000 | 332,844,000 |
| Noninterest-bearing deposits | 68,561,000 | 66,172,000 | 71,728,000 | 67,451,000 |
| Equity capital | 55,937,000 | 56,463,000 | 57,084,000 | 57,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,202,000 | 8,435,000 | 12,712,000 | 17,194,000 |
| Interest expense | 483,000 | 997,000 | 1,508,000 | 2,037,000 |
| Net interest income | 3,719,000 | 7,438,000 | 11,204,000 | 15,157,000 |
| Noninterest income | 1,088,000 | 2,299,000 | 3,522,000 | 4,679,000 |
| Noninterest expense | 3,564,000 | 7,129,000 | 10,728,000 | 14,321,000 |
| Provision for loan losses | 125,000 | 208,000 | 303,000 | 682,000 |
| Pretax income | 1,118,000 | 2,400,000 | 3,695,000 | 4,833,000 |
| Income tax | 288,000 | 635,000 | 979,000 | 1,272,000 |
| Net income | 830,000 | 1,765,000 | 2,716,000 | 3,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,854,000 | 48,421,000 | 49,003,000 | 49,478,000 |
| Total capital | 51,204,000 | 51,756,000 | 52,343,000 | 53,095,000 |
| Risk-weighted assets | 329,725,000 | 339,187,000 | 347,112,000 | 365,479,000 |