Call reports 2003
CNB BANK — 2003
What CNB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 673,057,000 | 697,404,000 | 685,603,000 | 685,937,000 |
| Total loans | 434,499,000 | 439,461,000 | 451,159,000 | 461,448,000 |
| Allowance for loan losses | 5,430,000 | 5,779,000 | 5,783,000 | 5,764,000 |
| Securities available for sale | 182,988,000 | 197,332,000 | 178,079,000 | 167,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 559,270,000 | 579,116,000 | 569,377,000 | 575,576,000 |
| Interest-bearing deposits | 533,814,000 | 551,501,000 | 544,576,000 | 544,430,000 |
| Noninterest-bearing deposits | 25,456,000 | 27,615,000 | 24,801,000 | 31,146,000 |
| Equity capital | 65,676,000 | 68,316,000 | 67,833,000 | 62,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,481,000 | 18,864,000 | 28,024,000 | 37,070,000 |
| Interest expense | 3,261,000 | 6,532,000 | 9,769,000 | 12,889,000 |
| Net interest income | 6,220,000 | 12,332,000 | 18,255,000 | 24,181,000 |
| Noninterest income | 1,541,000 | 3,221,000 | 5,006,000 | 6,721,000 |
| Noninterest expense | 4,621,000 | 8,952,000 | 13,432,000 | 17,884,000 |
| Provision for loan losses | 540,000 | 1,080,000 | 1,280,000 | 1,535,000 |
| Pretax income | 2,751,000 | 5,672,000 | 8,700,000 | 11,615,000 |
| Income tax | 714,000 | 1,416,000 | 2,123,000 | 2,738,000 |
| Net income | 2,037,000 | 4,256,000 | 6,577,000 | 8,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,446,000 | 51,338,000 | 52,671,000 | 47,651,000 |
| Total capital | 55,876,000 | 57,117,000 | 58,454,000 | 53,415,000 |
| Risk-weighted assets | 476,264,000 | 497,351,000 | 502,892,000 | 500,206,000 |