Call reports 2005
CNB BANK — 2005
What CNB BANK 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 | 715,602,000 | 737,727,000 | 734,346,000 | 748,193,000 |
| Total loans | 484,903,000 | 503,609,000 | 502,119,000 | 511,400,000 |
| Allowance for loan losses | 5,587,000 | 5,598,000 | 5,602,000 | 5,603,000 |
| Securities available for sale | 167,207,000 | 164,209,000 | 167,241,000 | 167,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 602,485,000 | 604,486,000 | 600,718,000 | 619,563,000 |
| Interest-bearing deposits | 529,513,000 | 532,609,000 | 524,776,000 | 537,737,000 |
| Noninterest-bearing deposits | 72,972,000 | 71,877,000 | 75,942,000 | 81,826,000 |
| Equity capital | 64,551,000 | 58,401,000 | 58,532,000 | 56,570,000 |
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 | 9,544,000 | 19,668,000 | 30,006,000 | 40,685,000 |
| Interest expense | 3,368,000 | 7,102,000 | 11,083,000 | 15,339,000 |
| Net interest income | 6,176,000 | 12,566,000 | 18,923,000 | 25,346,000 |
| Noninterest income | 1,652,000 | 3,610,000 | 5,542,000 | 7,512,000 |
| Noninterest expense | 5,136,000 | 10,016,000 | 15,095,000 | 20,241,000 |
| Provision for loan losses | 167,000 | 339,000 | 546,000 | 783,000 |
| Pretax income | 2,525,000 | 5,665,000 | 8,668,000 | 11,751,000 |
| Income tax | 510,000 | 1,339,000 | 2,139,000 | 2,966,000 |
| Net income | 2,015,000 | 4,326,000 | 6,529,000 | 8,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,217,000 | 53,229,000 | 53,558,000 | 52,168,000 |
| Total capital | 57,804,000 | 58,852,000 | 59,242,000 | 57,952,000 |
| Risk-weighted assets | 539,374,000 | 562,991,000 | 567,832,000 | 562,025,000 |