Call reports 2006
CB&T BANK OF EAST ALABAMA — 2006
What CB&T BANK OF EAST ALABAMA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 260,321,000 | 273,399,000 | 278,679,000 | 281,697,000 |
| Total loans | 222,707,000 | 229,512,000 | 235,300,000 | 238,726,000 |
| Allowance for loan losses | 2,605,000 | 2,660,000 | 2,719,000 | 2,768,000 |
| Securities available for sale | 23,561,000 | 25,593,000 | 25,805,000 | 23,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,715,000 | 219,467,000 | 222,909,000 | 230,158,000 |
| Interest-bearing deposits | 164,993,000 | 182,273,000 | 186,046,000 | 197,550,000 |
| Noninterest-bearing deposits | 36,722,000 | 37,194,000 | 36,863,000 | 32,608,000 |
| Equity capital | 22,501,000 | 23,060,000 | 24,116,000 | 24,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,258,000 | 8,996,000 | 14,076,000 | 19,248,000 |
| Interest expense | 1,716,000 | 3,566,000 | 5,700,000 | 7,976,000 |
| Net interest income | 2,542,000 | 5,430,000 | 8,376,000 | 11,272,000 |
| Noninterest income | 683,000 | 1,399,000 | 2,094,000 | 2,239,000 |
| Noninterest expense | 1,613,000 | 3,258,000 | 5,087,000 | 6,722,000 |
| Provision for loan losses | 165,000 | 315,000 | 390,000 | 540,000 |
| Pretax income | 1,447,000 | 3,256,000 | 4,993,000 | 6,249,000 |
| Income tax | 536,000 | 1,196,000 | 1,837,000 | 2,302,000 |
| Net income | 911,000 | 2,060,000 | 3,156,000 | 3,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,802,000 | 23,410,000 | 24,229,000 | 24,493,000 |
| Total capital | 25,407,000 | 26,070,000 | 26,948,000 | 27,261,000 |
| Risk-weighted assets | 244,818,000 | 254,007,000 | 259,226,000 | 259,184,000 |