Call reports 2004
CBC NATIONAL BANK — 2004
What CBC NATIONAL 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 | 114,825,000 | 128,413,000 | 141,871,000 | 144,764,000 |
| Total loans | 74,918,000 | 85,649,000 | 99,592,000 | 102,412,000 |
| Allowance for loan losses | 943,000 | 1,062,000 | 1,175,000 | 1,137,000 |
| Securities available for sale | 28,522,000 | 26,427,000 | 27,901,000 | 27,098,000 |
| Securities held to maturity | 5,365,000 | 5,907,000 | 5,925,000 | 5,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,160,000 | 117,080,000 | 126,582,000 | 130,343,000 |
| Interest-bearing deposits | 98,430,000 | 108,210,000 | 116,551,000 | 118,162,000 |
| Noninterest-bearing deposits | 7,730,000 | 8,870,000 | 10,031,000 | 12,181,000 |
| Equity capital | 8,341,000 | 10,985,000 | 11,760,000 | 11,890,000 |
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 | 1,532,000 | 3,170,000 | 4,988,000 | 6,956,000 |
| Interest expense | 516,000 | 1,067,000 | 1,699,000 | 2,399,000 |
| Net interest income | 1,016,000 | 2,103,000 | 3,289,000 | 4,557,000 |
| Noninterest income | 112,000 | 273,000 | 468,000 | 671,000 |
| Noninterest expense | 695,000 | 1,443,000 | 2,285,000 | 3,228,000 |
| Provision for loan losses | 76,000 | 194,000 | 316,000 | 463,000 |
| Pretax income | 439,000 | 823,000 | 1,247,000 | 1,619,000 |
| Income tax | 147,000 | 279,000 | 424,000 | 550,000 |
| Net income | 292,000 | 544,000 | 938,000 | 1,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,195,000 | 11,380,000 | 11,773,000 | 12,023,000 |
| Total capital | 9,138,000 | 12,442,000 | 12,948,000 | 13,160,000 |
| Risk-weighted assets | 83,505,000 | 101,133,000 | 114,944,000 | 114,134,000 |