Call reports 2004
CNB BANK & TRUST, NA — 2004
What CNB BANK & TRUST, NA 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 | 170,848,000 | 164,526,000 | 166,550,000 | 167,932,000 |
| Total loans | 102,306,000 | 104,372,000 | 105,634,000 | 111,044,000 |
| Allowance for loan losses | 1,012,000 | 1,017,000 | 1,012,000 | 1,045,000 |
| Securities available for sale | 45,129,000 | 44,467,000 | 41,535,000 | 37,941,000 |
| Securities held to maturity | 1,512,000 | 1,280,000 | 1,268,000 | 753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,271,000 | 142,758,000 | 138,564,000 | 136,712,000 |
| Interest-bearing deposits | 124,345,000 | 122,932,000 | 118,847,000 | 116,400,000 |
| Noninterest-bearing deposits | 21,926,000 | 19,826,000 | 19,717,000 | 20,312,000 |
| Equity capital | 18,000,000 | 17,275,000 | 17,836,000 | 18,132,000 |
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 | 2,222,000 | 4,474,000 | 6,696,000 | 9,005,000 |
| Interest expense | 566,000 | 1,100,000 | 1,643,000 | 2,192,000 |
| Net interest income | 1,656,000 | 3,374,000 | 5,053,000 | 6,813,000 |
| Noninterest income | 317,000 | 648,000 | 965,000 | 1,139,000 |
| Noninterest expense | 1,083,000 | 2,074,000 | 3,168,000 | 4,244,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 891,000 | 1,954,000 | 2,889,000 | 3,762,000 |
| Income tax | 271,000 | 603,000 | 913,000 | 1,185,000 |
| Net income | 620,000 | 1,351,000 | 1,976,000 | 2,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,785,000 | 15,880,000 | 16,119,000 | 16,575,000 |
| Total capital | 16,797,000 | 16,897,000 | 17,131,000 | 17,620,000 |
| Risk-weighted assets | 121,117,000 | 120,851,000 | 121,364,000 | 125,747,000 |