Call reports 2008
CBC NATIONAL BANK — 2008
What CBC NATIONAL 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 | 187,215,000 | 187,570,000 | 438,928,000 | 474,647,000 |
| Total loans | 136,440,000 | 135,594,000 | 325,197,000 | 335,824,000 |
| Allowance for loan losses | 1,690,000 | 2,317,000 | 4,474,000 | 4,833,000 |
| Securities available for sale | 40,029,000 | 37,793,000 | 68,749,000 | 81,438,000 |
| Securities held to maturity | 0 | 0 | 2,000,000 | 3,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,605,000 | 159,592,000 | 350,834,000 | 366,820,000 |
| Interest-bearing deposits | 148,677,000 | 148,865,000 | 328,431,000 | 348,084,000 |
| Noninterest-bearing deposits | 9,928,000 | 10,727,000 | 22,403,000 | 18,736,000 |
| Equity capital | 17,958,000 | 17,377,000 | 50,955,000 | 53,012,000 |
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 | 2,971,000 | 5,709,000 | 18,859,000 | 24,422,000 |
| Interest expense | 1,767,000 | 3,383,000 | 10,674,000 | 13,928,000 |
| Net interest income | 1,204,000 | 2,326,000 | 8,185,000 | 10,494,000 |
| Noninterest income | 223,000 | 439,000 | 3,838,000 | 4,920,000 |
| Noninterest expense | 1,156,000 | 2,322,000 | 9,669,000 | 14,009,000 |
| Provision for loan losses | 32,000 | 657,000 | 1,269,000 | 7,823,000 |
| Pretax income | 368,000 | -85,000 | 1,304,000 | -6,199,000 |
| Income tax | 125,000 | -90,000 | 252,000 | -2,575,000 |
| Net income | 243,000 | 5,000 | 1,052,000 | -3,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,018,000 | 17,780,000 | 40,658,000 | 42,017,000 |
| Total capital | 19,708,000 | 19,602,000 | 44,814,000 | 46,061,000 |
| Risk-weighted assets | 145,666,000 | 145,227,000 | 331,959,000 | 322,481,000 |