Call reports 2005
CIBM BANK — 2005
What CIBM BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 678,063,000 | 640,296,000 | 630,902,000 | 578,840,000 |
| Total loans | 315,667,000 | 298,602,000 | 270,688,000 | 253,592,000 |
| Allowance for loan losses | 15,202,000 | 13,265,000 | 13,912,000 | 14,847,000 |
| Securities available for sale | 200,061,000 | 255,636,000 | 264,712,000 | 247,112,000 |
| Securities held to maturity | 11,125,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 581,685,000 | 545,145,000 | 519,874,000 | 494,184,000 |
| Interest-bearing deposits | 534,191,000 | 498,393,000 | 479,042,000 | 452,086,000 |
| Noninterest-bearing deposits | 47,494,000 | 46,751,000 | 40,832,000 | 42,098,000 |
| Equity capital | 54,882,000 | 54,579,000 | 53,287,000 | 48,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,164,000 | 14,782,000 | 22,150,000 | 29,703,000 |
| Interest expense | 3,658,000 | 7,511,000 | 11,527,000 | 15,537,000 |
| Net interest income | 3,506,000 | 7,271,000 | 10,623,000 | 14,166,000 |
| Noninterest income | 222,000 | -956,000 | -992,000 | -884,000 |
| Noninterest expense | 4,011,000 | 8,746,000 | 13,149,000 | 17,505,000 |
| Provision for loan losses | 0 | -1,295,000 | -1,624,000 | -759,000 |
| Pretax income | -283,000 | -980,000 | -1,681,000 | -3,251,000 |
| Income tax | 0 | 0 | 0 | -11,000 |
| Net income | -283,000 | -980,000 | -1,681,000 | -3,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,064,000 | 55,368,000 | 54,667,000 | 50,838,000 |
| Total capital | 61,085,000 | 60,151,000 | 59,429,000 | 55,242,000 |
| Risk-weighted assets | 391,477,000 | 374,191,000 | 371,811,000 | 341,868,000 |