Call reports 2003
CNB BANK — 2003
What CNB 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 | 175,371,000 | 174,567,000 | 178,851,000 | 178,010,000 |
| Total loans | 72,413,000 | 72,232,000 | 72,873,000 | 71,094,000 |
| Allowance for loan losses | 899,000 | 904,000 | 923,000 | 903,000 |
| Securities available for sale | 70,388,000 | 90,939,000 | 94,615,000 | 96,452,000 |
| Securities held to maturity | 19,276,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,871,000 | 146,575,000 | 151,865,000 | 148,607,000 |
| Interest-bearing deposits | 121,061,000 | 116,197,000 | 119,821,000 | 115,330,000 |
| Noninterest-bearing deposits | 29,810,000 | 30,378,000 | 32,044,000 | 33,277,000 |
| Equity capital | 17,417,000 | 18,148,000 | 17,400,000 | 17,150,000 |
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 | 2,194,000 | 4,259,000 | 6,277,000 | 8,370,000 |
| Interest expense | 529,000 | 971,000 | 1,352,000 | 1,729,000 |
| Net interest income | 1,665,000 | 3,288,000 | 4,925,000 | 6,641,000 |
| Noninterest income | 695,000 | 1,505,000 | 2,243,000 | 2,909,000 |
| Noninterest expense | 1,211,000 | 2,455,000 | 3,767,000 | 5,169,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 252,000 |
| Pretax income | 1,119,000 | 2,279,000 | 3,312,000 | 4,130,000 |
| Income tax | -15,000 | -30,000 | -44,000 | -59,000 |
| Net income | 1,134,000 | 2,309,000 | 3,356,000 | 4,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,306,000 | 16,686,000 | 16,822,000 | 16,775,000 |
| Total capital | 17,205,000 | 17,590,000 | 17,745,000 | 17,678,000 |
| Risk-weighted assets | 83,209,000 | 96,551,000 | 93,447,000 | 84,310,000 |