Call reports 2003
CB&T BANK OF EAST ALABAMA — 2003
What CB&T BANK OF EAST ALABAMA 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 | 179,843,000 | 178,349,000 | 176,269,000 | 186,562,000 |
| Total loans | 140,464,000 | 140,852,000 | 139,705,000 | 149,893,000 |
| Allowance for loan losses | 2,776,000 | 3,238,000 | 1,500,000 | 1,886,000 |
| Securities available for sale | 26,063,000 | 27,932,000 | 27,359,000 | 24,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,679,000 | 148,243,000 | 143,359,000 | 140,928,000 |
| Interest-bearing deposits | 125,892,000 | 122,385,000 | 115,796,000 | 112,870,000 |
| Noninterest-bearing deposits | 22,787,000 | 25,858,000 | 27,563,000 | 28,058,000 |
| Equity capital | 14,050,000 | 14,534,000 | 14,950,000 | 15,340,000 |
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 | 2,632,000 | 5,252,000 | 7,820,000 | 10,440,000 |
| Interest expense | 608,000 | 1,176,000 | 1,644,000 | 2,092,000 |
| Net interest income | 2,024,000 | 4,076,000 | 6,176,000 | 8,348,000 |
| Noninterest income | 581,000 | 1,169,000 | 1,791,000 | 2,390,000 |
| Noninterest expense | 1,212,000 | 2,568,000 | 3,869,000 | 5,190,000 |
| Provision for loan losses | 2,200,000 | 2,295,000 | 2,543,000 | 2,718,000 |
| Pretax income | -807,000 | 382,000 | 1,555,000 | 2,830,000 |
| Income tax | -319,000 | 115,000 | 544,000 | 1,010,000 |
| Net income | -488,000 | 267,000 | 1,011,000 | 1,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,679,000 | 14,134,000 | 14,668,000 | 15,112,000 |
| Total capital | 15,635,000 | 16,117,000 | 16,168,000 | 16,998,000 |
| Risk-weighted assets | 155,654,000 | 157,400,000 | 157,626,000 | 165,039,000 |