Call reports 2004
CNB BANK — 2004
What CNB BANK 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 | 696,186,000 | 687,110,000 | 693,704,000 | 710,079,000 |
| Total loans | 474,911,000 | 481,851,000 | 489,533,000 | 486,235,000 |
| Allowance for loan losses | 5,855,000 | 5,989,000 | 6,003,000 | 5,585,000 |
| Securities available for sale | 164,594,000 | 146,154,000 | 142,486,000 | 161,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 584,893,000 | 577,863,000 | 582,337,000 | 597,138,000 |
| Interest-bearing deposits | 558,042,000 | 509,823,000 | 508,559,000 | 525,051,000 |
| Noninterest-bearing deposits | 26,851,000 | 68,040,000 | 73,778,000 | 72,087,000 |
| Equity capital | 64,062,000 | 61,938,000 | 63,839,000 | 64,791,000 |
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 | 8,988,000 | 18,010,000 | 27,090,000 | 36,495,000 |
| Interest expense | 3,130,000 | 6,226,000 | 9,331,000 | 12,580,000 |
| Net interest income | 5,858,000 | 11,784,000 | 17,759,000 | 23,915,000 |
| Noninterest income | 1,513,000 | 3,084,000 | 4,771,000 | 6,913,000 |
| Noninterest expense | 4,756,000 | 9,318,000 | 14,284,000 | 19,315,000 |
| Provision for loan losses | 300,000 | 600,000 | 800,000 | 800,000 |
| Pretax income | 2,446,000 | 5,076,000 | 7,572,000 | 9,439,000 |
| Income tax | 524,000 | 1,159,000 | 1,754,000 | 1,755,000 |
| Net income | 1,922,000 | 3,917,000 | 5,818,000 | 7,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,563,000 | 49,199,000 | 49,802,000 | 51,360,000 |
| Total capital | 54,418,000 | 55,188,000 | 55,805,000 | 56,945,000 |
| Risk-weighted assets | 518,613,000 | 512,448,000 | 524,942,000 | 536,360,000 |