Call reports 2003
CIBM BANK — 2003
What CIBM 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 | 1,038,455,000 | 1,038,261,000 | 961,402,000 | 887,791,000 |
| Total loans | 866,591,000 | 882,287,000 | 792,544,000 | 661,341,000 |
| Allowance for loan losses | 11,938,000 | 14,962,000 | 29,613,000 | 29,169,000 |
| Securities available for sale | 101,147,000 | 95,502,000 | 107,728,000 | 143,344,000 |
| Securities held to maturity | 28,863,000 | 26,227,000 | 23,597,000 | 17,322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 870,564,000 | 904,399,000 | 874,966,000 | 804,262,000 |
| Interest-bearing deposits | 792,636,000 | 830,757,000 | 811,210,000 | 740,683,000 |
| Noninterest-bearing deposits | 77,928,000 | 73,642,000 | 63,756,000 | 63,579,000 |
| Equity capital | 83,449,000 | 81,539,000 | 64,743,000 | 60,790,000 |
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 | 14,501,000 | 28,964,000 | 42,696,000 | 54,208,000 |
| Interest expense | 6,266,000 | 12,422,000 | 18,272,000 | 23,389,000 |
| Net interest income | 8,235,000 | 16,542,000 | 24,424,000 | 30,819,000 |
| Noninterest income | 361,000 | 797,000 | 532,000 | 952,000 |
| Noninterest expense | 3,638,000 | 7,465,000 | 11,323,000 | 15,358,000 |
| Provision for loan losses | 1,498,000 | 4,705,000 | 23,087,000 | 26,173,000 |
| Pretax income | 3,460,000 | 5,169,000 | -9,454,000 | -9,760,000 |
| Income tax | 1,164,000 | 1,632,000 | -1,925,000 | -2,290,000 |
| Net income | 2,296,000 | 3,537,000 | -7,529,000 | -7,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,788,000 | 81,029,000 | 64,504,000 | 60,615,000 |
| Total capital | 93,968,000 | 92,313,000 | 74,960,000 | 69,979,000 |
| Risk-weighted assets | 893,618,000 | 899,232,000 | 817,354,000 | 729,393,000 |