Call reports 2004
CB&T BANK OF EAST ALABAMA — 2004
What CB&T BANK OF EAST ALABAMA 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 | 193,097,000 | 209,741,000 | 219,332,000 | 227,402,000 |
| Total loans | 160,400,000 | 174,985,000 | 183,045,000 | 188,200,000 |
| Allowance for loan losses | 2,213,000 | 2,132,000 | 2,227,000 | 2,466,000 |
| Securities available for sale | 23,875,000 | 24,220,000 | 24,598,000 | 24,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,013,000 | 161,013,000 | 170,775,000 | 160,069,000 |
| Interest-bearing deposits | 131,199,000 | 127,510,000 | 134,988,000 | 126,623,000 |
| Noninterest-bearing deposits | 33,814,000 | 33,503,000 | 35,787,000 | 33,446,000 |
| Equity capital | 15,768,000 | 17,148,000 | 18,110,000 | 18,785,000 |
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 | 2,651,000 | 5,435,000 | 8,421,000 | 11,485,000 |
| Interest expense | 465,000 | 957,000 | 1,509,000 | 2,184,000 |
| Net interest income | 2,186,000 | 4,478,000 | 6,912,000 | 9,301,000 |
| Noninterest income | 623,000 | 1,325,000 | 2,031,000 | 2,715,000 |
| Noninterest expense | 1,449,000 | 2,951,000 | 4,469,000 | 5,647,000 |
| Provision for loan losses | 308,000 | 646,000 | 788,000 | 1,338,000 |
| Pretax income | 1,052,000 | 2,206,000 | 3,686,000 | 5,031,000 |
| Income tax | 384,000 | 806,000 | 1,350,000 | 1,844,000 |
| Net income | 668,000 | 1,400,000 | 2,336,000 | 3,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,463,000 | 17,235,000 | 17,969,000 | 18,780,000 |
| Total capital | 17,641,000 | 19,367,000 | 20,196,000 | 21,246,000 |
| Risk-weighted assets | 174,188,000 | 186,628,000 | 198,135,000 | 208,553,000 |