Call reports 2014
CIBM BANK — 2014
What CIBM BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 470,701,000 | 486,420,000 | 499,548,000 | 500,171,000 |
| Total loans | 349,573,000 | 366,137,000 | 388,078,000 | 392,098,000 |
| Allowance for loan losses | 8,228,000 | 8,081,000 | 8,474,000 | 7,518,000 |
| Securities available for sale | 102,145,000 | 96,898,000 | 92,233,000 | 88,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,526,000 | 1,481,000 | 0 | 0 |
| Total deposits | 384,918,000 | 392,017,000 | 385,840,000 | 407,100,000 |
| Interest-bearing deposits | 313,884,000 | 318,663,000 | 308,361,000 | 326,974,000 |
| Noninterest-bearing deposits | 71,034,000 | 73,355,000 | 77,480,000 | 80,127,000 |
| Equity capital | 57,535,000 | 58,232,000 | 58,240,000 | 59,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,410,000 | 8,887,000 | 13,528,000 | 18,119,000 |
| Interest expense | 512,000 | 1,046,000 | 1,572,000 | 2,136,000 |
| Net interest income | 3,898,000 | 7,841,000 | 11,956,000 | 15,983,000 |
| Noninterest income | 700,000 | 1,594,000 | 2,633,000 | 3,653,000 |
| Noninterest expense | 4,146,000 | 8,545,000 | 13,111,000 | 17,796,000 |
| Provision for loan losses | 97,000 | 249,000 | 461,000 | 471,000 |
| Pretax income | 358,000 | 657,000 | 1,014,000 | 1,375,000 |
| Income tax | 81,000 | 0 | 8,000 | 4,000 |
| Net income | 277,000 | 657,000 | 1,006,000 | 1,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,541,000 | 58,927,000 | 59,282,000 | 59,653,000 |
| Total capital | 63,617,000 | 64,136,000 | 64,700,000 | 64,996,000 |
| Risk-weighted assets | 402,935,000 | 413,863,000 | 430,354,000 | 425,303,000 |