Call reports 2003
CBC NATIONAL BANK — 2003
What CBC NATIONAL 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 | 82,064,000 | 95,004,000 | 96,216,000 | 106,787,000 |
| Total loans | 56,122,000 | 58,300,000 | 65,690,000 | 68,478,000 |
| Allowance for loan losses | 702,000 | 736,000 | 823,000 | 866,000 |
| Securities available for sale | 17,586,000 | 20,292,000 | 18,657,000 | 31,717,000 |
| Securities held to maturity | 0 | 1,021,000 | 2,317,000 | 3,394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,307,000 | 86,796,000 | 88,014,000 | 97,458,000 |
| Interest-bearing deposits | 66,833,000 | 78,345,000 | 81,176,000 | 91,369,000 |
| Noninterest-bearing deposits | 7,474,000 | 8,451,000 | 6,837,000 | 6,088,000 |
| Equity capital | 7,426,000 | 7,659,000 | 7,689,000 | 7,986,000 |
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 | 1,109,000 | 2,303,000 | 3,643,000 | 5,086,000 |
| Interest expense | 425,000 | 884,000 | 1,337,000 | 1,830,000 |
| Net interest income | 684,000 | 1,419,000 | 2,306,000 | 3,256,000 |
| Noninterest income | 163,000 | 338,000 | 627,000 | 821,000 |
| Noninterest expense | 503,000 | 1,075,000 | 1,795,000 | 2,494,000 |
| Provision for loan losses | 73,000 | 123,000 | 211,000 | 254,000 |
| Pretax income | 286,000 | 593,000 | 961,000 | 1,371,000 |
| Income tax | 97,000 | 207,000 | 334,000 | 477,000 |
| Net income | 189,000 | 386,000 | 627,000 | 894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,197,000 | 7,395,000 | 7,635,000 | 7,903,000 |
| Total capital | 7,899,000 | 8,131,000 | 8,458,000 | 8,769,000 |
| Risk-weighted assets | 60,812,000 | 64,545,000 | 69,448,000 | 75,276,000 |