Call reports 2004
CIBM BANK — 2004
What CIBM 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 | 837,736,000 | 770,140,000 | 681,637,000 | 687,119,000 |
| Total loans | 627,345,000 | 564,226,000 | 456,534,000 | 375,100,000 |
| Allowance for loan losses | 29,633,000 | 26,919,000 | 22,006,000 | 15,245,000 |
| Securities available for sale | 143,857,000 | 129,594,000 | 142,025,000 | 158,531,000 |
| Securities held to maturity | 15,294,000 | 14,520,000 | 14,295,000 | 11,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 770,858,000 | 689,937,000 | 619,513,000 | 586,047,000 |
| Interest-bearing deposits | 703,231,000 | 630,694,000 | 567,788,000 | 540,233,000 |
| Noninterest-bearing deposits | 67,627,000 | 59,243,000 | 51,725,000 | 45,814,000 |
| Equity capital | 49,685,000 | 46,529,000 | 42,344,000 | 55,769,000 |
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 | 9,979,000 | 19,168,000 | 27,226,000 | 34,976,000 |
| Interest expense | 4,684,000 | 8,859,000 | 12,573,000 | 16,166,000 |
| Net interest income | 5,295,000 | 10,309,000 | 14,653,000 | 18,810,000 |
| Noninterest income | 349,000 | 772,000 | 1,168,000 | 2,882,000 |
| Noninterest expense | 4,164,000 | 7,994,000 | 13,016,000 | 17,096,000 |
| Provision for loan losses | 4,047,000 | 7,419,000 | 11,919,000 | 13,299,000 |
| Pretax income | -2,567,000 | -4,332,000 | -9,114,000 | -8,703,000 |
| Income tax | 4,800,000 | 4,800,000 | 4,800,000 | 6,565,000 |
| Net income | -7,367,000 | -9,132,000 | -13,914,000 | -15,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,248,000 | 47,483,000 | 42,700,000 | 56,347,000 |
| Total capital | 57,782,000 | 55,065,000 | 49,237,000 | 61,957,000 |
| Risk-weighted assets | 661,655,000 | 587,226,000 | 507,491,000 | 439,196,000 |