Call reports 2005
CNB BANK & TRUST, NA — 2005
What CNB BANK & TRUST, NA 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 | 173,156,000 | 157,920,000 | 171,177,000 | 170,701,000 |
| Total loans | 110,604,000 | 113,662,000 | 118,663,000 | 125,310,000 |
| Allowance for loan losses | 1,109,000 | 1,131,000 | 1,168,000 | 1,337,000 |
| Securities available for sale | 35,262,000 | 31,975,000 | 30,664,000 | 29,579,000 |
| Securities held to maturity | 608,000 | 477,000 | 476,000 | 436,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,159,000 | 133,357,000 | 140,531,000 | 142,816,000 |
| Interest-bearing deposits | 114,782,000 | 106,112,000 | 119,528,000 | 120,221,000 |
| Noninterest-bearing deposits | 23,377,000 | 27,245,000 | 21,003,000 | 22,595,000 |
| Equity capital | 18,298,000 | 18,607,000 | 18,515,000 | 18,531,000 |
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 | 2,204,000 | 4,409,000 | 6,621,000 | 9,167,000 |
| Interest expense | 587,000 | 1,213,000 | 1,910,000 | 2,745,000 |
| Net interest income | 1,617,000 | 3,196,000 | 4,711,000 | 6,422,000 |
| Noninterest income | 295,000 | 577,000 | 917,000 | 1,229,000 |
| Noninterest expense | 1,122,000 | 2,203,000 | 3,337,000 | 4,352,000 |
| Provision for loan losses | 80,000 | 100,000 | 646,000 | 846,000 |
| Pretax income | 710,000 | 1,487,000 | 1,642,000 | 2,450,000 |
| Income tax | 218,000 | 472,000 | 472,000 | 736,000 |
| Net income | 492,000 | 1,015,000 | 1,170,000 | 1,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,102,000 | 17,385,000 | 17,414,000 | 17,617,000 |
| Total capital | 18,211,000 | 18,516,000 | 18,582,000 | 18,954,000 |
| Risk-weighted assets | 126,032,000 | 124,830,000 | 131,581,000 | 136,682,000 |