Call reports 2004
CBC BANK — 2004
What CBC BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 43,830,000 | 44,627,000 | 42,496,000 | 43,100,000 |
| Total loans | 36,153,000 | 34,468,000 | 32,055,000 | 30,768,000 |
| Allowance for loan losses | 349,000 | 349,000 | 349,000 | 360,000 |
| Securities available for sale | 2,648,000 | 3,376,000 | 3,607,000 | 4,617,000 |
| Securities held to maturity | 35,000 | 35,000 | 33,000 | 33,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,354,000 | 41,165,000 | 38,959,000 | 39,506,000 |
| Interest-bearing deposits | 32,943,000 | 33,283,000 | 31,438,000 | 32,445,000 |
| Noninterest-bearing deposits | 7,411,000 | 7,882,000 | 7,521,000 | 7,061,000 |
| Equity capital | 3,303,000 | 3,256,000 | 3,321,000 | 3,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 585,000 | 1,159,000 | 1,729,000 | 2,280,000 |
| Interest expense | 164,000 | 326,000 | 488,000 | 651,000 |
| Net interest income | 421,000 | 833,000 | 1,241,000 | 1,629,000 |
| Noninterest income | 58,000 | 118,000 | 174,000 | 238,000 |
| Noninterest expense | 353,000 | 694,000 | 1,064,000 | 1,447,000 |
| Provision for loan losses | 21,000 | 21,000 | 21,000 | 21,000 |
| Pretax income | 105,000 | 236,000 | 330,000 | 399,000 |
| Income tax | -2,000 | 0 | -2,000 | 4,000 |
| Net income | 107,000 | 236,000 | 332,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,251,000 | 3,258,000 | 3,296,000 | 3,359,000 |
| Total capital | 3,600,000 | 3,607,000 | 3,645,000 | 3,719,000 |
| Risk-weighted assets | 34,767,000 | 34,705,000 | 32,576,000 | 32,622,000 |