Call reports 2005
CB&T BANK OF EAST ALABAMA — 2005
What CB&T BANK OF EAST ALABAMA 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 | 235,035,000 | 234,643,000 | 243,452,000 | 253,146,000 |
| Total loans | 195,602,000 | 195,927,000 | 205,289,000 | 213,881,000 |
| Allowance for loan losses | 2,418,000 | 2,501,000 | 2,350,000 | 2,533,000 |
| Securities available for sale | 23,667,000 | 23,846,000 | 23,442,000 | 23,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,632,000 | 187,111,000 | 189,219,000 | 188,926,000 |
| Interest-bearing deposits | 143,793,000 | 148,820,000 | 150,192,000 | 156,483,000 |
| Noninterest-bearing deposits | 39,839,000 | 38,291,000 | 39,027,000 | 32,443,000 |
| Equity capital | 19,089,000 | 19,878,000 | 20,282,000 | 22,086,000 |
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 | 3,135,000 | 6,580,000 | 10,277,000 | 14,309,000 |
| Interest expense | 906,000 | 1,965,000 | 3,162,000 | 4,494,000 |
| Net interest income | 2,229,000 | 4,615,000 | 7,115,000 | 9,815,000 |
| Noninterest income | 665,000 | 1,351,000 | 2,076,000 | 2,748,000 |
| Noninterest expense | 1,511,000 | 2,872,000 | 4,338,000 | 5,758,000 |
| Provision for loan losses | 62,000 | 179,000 | 269,000 | 369,000 |
| Pretax income | 1,321,000 | 2,915,000 | 4,584,000 | 6,435,000 |
| Income tax | 486,000 | 1,065,000 | 1,676,000 | 2,368,000 |
| Net income | 835,000 | 1,850,000 | 2,908,000 | 4,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,303,000 | 19,959,000 | 20,472,000 | 22,336,000 |
| Total capital | 21,721,000 | 22,460,000 | 22,821,000 | 24,869,000 |
| Risk-weighted assets | 213,811,000 | 213,618,000 | 223,569,000 | 242,181,000 |