Call reports 2005
CBC NATIONAL BANK — 2005
What CBC NATIONAL 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 | 151,866,000 | 154,675,000 | 161,994,000 | 163,769,000 |
| Total loans | 109,169,000 | 111,798,000 | 120,571,000 | 122,340,000 |
| Allowance for loan losses | 1,201,000 | 1,193,000 | 1,338,000 | 1,403,000 |
| Securities available for sale | 26,372,000 | 25,606,000 | 23,564,000 | 22,426,000 |
| Securities held to maturity | 5,613,000 | 5,898,000 | 6,384,000 | 6,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,958,000 | 138,681,000 | 140,461,000 | 144,917,000 |
| Interest-bearing deposits | 121,726,000 | 126,945,000 | 126,940,000 | 133,639,000 |
| Noninterest-bearing deposits | 11,232,000 | 11,736,000 | 13,521,000 | 11,278,000 |
| Equity capital | 11,833,000 | 12,523,000 | 12,681,000 | 12,915,000 |
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 | 2,013,000 | 4,199,000 | 6,620,000 | 9,142,000 |
| Interest expense | 781,000 | 1,652,000 | 2,626,000 | 3,746,000 |
| Net interest income | 1,232,000 | 2,547,000 | 3,994,000 | 5,396,000 |
| Noninterest income | 175,000 | 401,000 | 576,000 | 771,000 |
| Noninterest expense | 965,000 | 1,940,000 | 2,851,000 | 3,890,000 |
| Provision for loan losses | 63,000 | 108,000 | 251,000 | 316,000 |
| Pretax income | 379,000 | 900,000 | 1,468,000 | 1,961,000 |
| Income tax | 130,000 | 308,000 | 501,000 | 669,000 |
| Net income | 249,000 | 592,000 | 967,000 | 1,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,268,000 | 12,611,000 | 12,986,000 | 13,311,000 |
| Total capital | 13,469,000 | 13,804,000 | 14,324,000 | 14,714,000 |
| Risk-weighted assets | 119,137,000 | 123,315,000 | 130,479,000 | 133,692,000 |