Call reports 2004
CNB BANK — 2004
What CNB 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 | 183,029,000 | 183,800,000 | 180,357,000 | 183,095,000 |
| Total loans | 70,275,000 | 69,991,000 | 71,332,000 | 72,955,000 |
| Allowance for loan losses | 907,000 | 921,000 | 945,000 | 920,000 |
| Securities available for sale | 102,246,000 | 96,245,000 | 96,455,000 | 92,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,390,000 | 151,585,000 | 144,357,000 | 152,239,000 |
| Interest-bearing deposits | 113,064,000 | 117,739,000 | 110,842,000 | 113,601,000 |
| Noninterest-bearing deposits | 33,326,000 | 33,846,000 | 33,515,000 | 38,638,000 |
| Equity capital | 17,742,000 | 16,281,000 | 17,132,000 | 16,738,000 |
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 | 2,094,000 | 4,159,000 | 6,258,000 | 8,365,000 |
| Interest expense | 387,000 | 772,000 | 1,173,000 | 1,617,000 |
| Net interest income | 1,707,000 | 3,387,000 | 5,085,000 | 6,748,000 |
| Noninterest income | 629,000 | 1,279,000 | 1,985,000 | 2,610,000 |
| Noninterest expense | 1,290,000 | 2,552,000 | 3,820,000 | 5,156,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,016,000 | 2,054,000 | 3,160,000 | 4,082,000 |
| Income tax | -9,000 | -18,000 | -27,000 | -43,000 |
| Net income | 1,025,000 | 2,072,000 | 3,187,000 | 4,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,810,000 | 16,948,000 | 17,196,000 | 17,248,000 |
| Total capital | 17,717,000 | 17,869,000 | 18,141,000 | 18,168,000 |
| Risk-weighted assets | 85,599,000 | 85,183,000 | 84,613,000 | 87,250,000 |