Call reports 2004
CIB BANK — 2004
What CIB 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 | 151,913,000 | 144,544,000 | 128,497,000 | 127,753,000 |
| Total loans | 102,937,000 | 96,961,000 | 84,327,000 | 73,037,000 |
| Allowance for loan losses | 6,322,000 | 6,322,000 | 4,904,000 | 2,127,000 |
| Securities available for sale | 33,642,000 | 33,027,000 | 29,846,000 | 32,322,000 |
| Securities held to maturity | 83,000 | 58,000 | 58,000 | 48,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,625,000 | 124,893,000 | 109,920,000 | 104,898,000 |
| Interest-bearing deposits | 124,148,000 | 106,472,000 | 94,158,000 | 91,706,000 |
| Noninterest-bearing deposits | 12,477,000 | 18,421,000 | 15,761,000 | 13,191,000 |
| Equity capital | 13,666,000 | 13,597,000 | 13,084,000 | 11,679,000 |
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 | 1,929,000 | 3,579,000 | 5,028,000 | 6,462,000 |
| Interest expense | 758,000 | 1,484,000 | 2,123,000 | 2,789,000 |
| Net interest income | 1,171,000 | 2,095,000 | 2,905,000 | 3,673,000 |
| Noninterest income | 121,000 | 297,000 | 444,000 | 629,000 |
| Noninterest expense | 943,000 | 1,850,000 | 2,721,000 | 5,164,000 |
| Provision for loan losses | 940,000 | 940,000 | 1,655,000 | 455,000 |
| Pretax income | -591,000 | -398,000 | -1,027,000 | -1,317,000 |
| Income tax | 0 | 0 | 0 | 1,026,000 |
| Net income | -591,000 | -398,000 | -1,027,000 | -2,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,613,000 | 13,806,000 | 13,176,000 | 11,861,000 |
| Total capital | 15,349,000 | 15,390,000 | 14,546,000 | 13,006,000 |
| Risk-weighted assets | 134,303,000 | 121,874,000 | 106,081,000 | 90,637,000 |