Call reports 2003
CIB BANK — 2003
What CIB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 181,485,000 | 178,126,000 | 170,653,000 | 157,328,000 |
| Total loans | 135,964,000 | 138,460,000 | 139,965,000 | 114,404,000 |
| Allowance for loan losses | 2,010,000 | 2,460,000 | 6,393,000 | 5,382,000 |
| Securities available for sale | 27,399,000 | 28,102,000 | 26,423,000 | 32,401,000 |
| Securities held to maturity | 144,000 | 144,000 | 109,000 | 83,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,165,000 | 160,280,000 | 155,755,000 | 141,356,000 |
| Interest-bearing deposits | 150,064,000 | 145,468,000 | 139,152,000 | 123,893,000 |
| Noninterest-bearing deposits | 14,101,000 | 14,812,000 | 16,602,000 | 17,463,000 |
| Equity capital | 16,564,000 | 16,648,000 | 14,109,000 | 14,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,386,000 | 4,879,000 | 7,137,000 | 9,308,000 |
| Interest expense | 1,112,000 | 2,197,000 | 3,195,000 | 4,016,000 |
| Net interest income | 1,274,000 | 2,682,000 | 3,942,000 | 5,292,000 |
| Noninterest income | 147,000 | 350,000 | 529,000 | 780,000 |
| Noninterest expense | 922,000 | 1,856,000 | 2,766,000 | 3,682,000 |
| Provision for loan losses | 143,000 | 583,000 | 4,516,000 | 5,501,000 |
| Pretax income | 356,000 | 593,000 | -2,811,000 | -3,111,000 |
| Income tax | 125,000 | 202,000 | -655,000 | -1,050,000 |
| Net income | 231,000 | 391,000 | -2,156,000 | -2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,497,000 | 16,657,000 | 14,109,000 | 14,203,000 |
| Total capital | 18,507,000 | 18,827,000 | 16,254,000 | 16,073,000 |
| Risk-weighted assets | 171,620,000 | 173,299,000 | 167,328,000 | 146,094,000 |
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