Call reports 2008
CIBM BANK — 2008
What CIBM BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 495,478,000 | 500,611,000 | 499,096,000 | 485,634,000 |
| Total loans | 258,530,000 | 272,309,000 | 277,519,000 | 267,015,000 |
| Allowance for loan losses | 9,302,000 | 7,644,000 | 7,795,000 | 6,701,000 |
| Securities available for sale | 177,940,000 | 169,081,000 | 183,815,000 | 172,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,098,000 | 373,304,000 | 374,040,000 | 374,065,000 |
| Interest-bearing deposits | 339,772,000 | 342,436,000 | 342,071,000 | 345,696,000 |
| Noninterest-bearing deposits | 33,326,000 | 30,868,000 | 31,969,000 | 28,370,000 |
| Equity capital | 57,630,000 | 54,244,000 | 51,227,000 | 49,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,186,000 | 13,525,000 | 20,285,000 | 27,050,000 |
| Interest expense | 3,533,000 | 6,602,000 | 9,497,000 | 12,201,000 |
| Net interest income | 3,653,000 | 6,923,000 | 10,788,000 | 14,849,000 |
| Noninterest income | 149,000 | 300,000 | 457,000 | 588,000 |
| Noninterest expense | 2,825,000 | 5,964,000 | 8,757,000 | 11,567,000 |
| Provision for loan losses | 125,000 | 2,090,000 | 4,040,000 | 4,815,000 |
| Pretax income | 852,000 | -831,000 | -2,078,000 | -2,292,000 |
| Income tax | -36,000 | -302,000 | -302,000 | -743,000 |
| Net income | 888,000 | -529,000 | -1,776,000 | -1,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,766,000 | 55,353,000 | 54,109,000 | 54,341,000 |
| Total capital | 60,887,000 | 59,647,000 | 58,466,000 | 58,452,000 |
| Risk-weighted assets | 324,510,000 | 340,141,000 | 345,139,000 | 326,304,000 |