Call reports 2008
CNB BANK & TRUST, NA — 2008
What CNB BANK & TRUST, NA 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 | 178,584,000 | 180,204,000 | 177,107,000 | 201,236,000 |
| Total loans | 124,163,000 | 128,968,000 | 139,736,000 | 150,849,000 |
| Allowance for loan losses | 975,000 | 1,068,000 | 1,073,000 | 1,247,000 |
| Securities available for sale | 26,667,000 | 25,362,000 | 25,003,000 | 26,132,000 |
| Securities held to maturity | 135,000 | 135,000 | 135,000 | 135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,043,000 | 153,132,000 | 143,362,000 | 167,821,000 |
| Interest-bearing deposits | 119,697,000 | 120,976,000 | 123,411,000 | 141,046,000 |
| Noninterest-bearing deposits | 25,346,000 | 32,156,000 | 19,951,000 | 26,775,000 |
| Equity capital | 20,703,000 | 20,550,000 | 20,986,000 | 20,922,000 |
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 | 2,712,000 | 5,187,000 | 7,707,000 | 10,326,000 |
| Interest expense | 1,079,000 | 1,932,000 | 2,742,000 | 3,598,000 |
| Net interest income | 1,633,000 | 3,255,000 | 4,965,000 | 6,728,000 |
| Noninterest income | 444,000 | 917,000 | 1,291,000 | 1,601,000 |
| Noninterest expense | 1,188,000 | 2,221,000 | 3,442,000 | 4,534,000 |
| Provision for loan losses | 75,000 | 188,000 | 240,000 | 416,000 |
| Pretax income | 817,000 | 1,766,000 | 2,580,000 | 3,385,000 |
| Income tax | 269,000 | 566,000 | 848,000 | 1,096,000 |
| Net income | 548,000 | 1,200,000 | 1,732,000 | 2,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,842,000 | 20,003,000 | 20,381,000 | 20,222,000 |
| Total capital | 20,817,000 | 21,072,000 | 21,454,000 | 21,469,000 |
| Risk-weighted assets | 139,419,000 | 143,114,000 | 152,257,000 | 178,023,000 |