Call reports 2007
CB&T BANK OF EAST ALABAMA — 2007
What CB&T BANK OF EAST ALABAMA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 293,273,000 | 298,142,000 | 300,822,000 | 321,219,000 |
| Total loans | 247,242,000 | 249,860,000 | 248,599,000 | 266,035,000 |
| Allowance for loan losses | 2,786,000 | 3,414,000 | 3,480,000 | 3,707,000 |
| Securities available for sale | 25,301,000 | 27,014,000 | 26,917,000 | 29,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,282,000 | 233,855,000 | 218,097,000 | 227,959,000 |
| Interest-bearing deposits | 200,384,000 | 198,911,000 | 202,604,000 | 214,129,000 |
| Noninterest-bearing deposits | 34,898,000 | 34,944,000 | 15,493,000 | 13,830,000 |
| Equity capital | 24,908,000 | 25,078,000 | 24,801,000 | 25,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,151,000 | 10,485,000 | 15,914,000 | 21,350,000 |
| Interest expense | 2,350,000 | 4,845,000 | 7,466,000 | 10,051,000 |
| Net interest income | 2,801,000 | 5,640,000 | 8,448,000 | 11,299,000 |
| Noninterest income | 682,000 | 1,394,000 | 2,046,000 | 2,783,000 |
| Noninterest expense | 1,822,000 | 3,636,000 | 5,698,000 | 7,615,000 |
| Provision for loan losses | 565,000 | 1,473,000 | 1,819,000 | 2,795,000 |
| Pretax income | 1,096,000 | 1,925,000 | 2,977,000 | 3,672,000 |
| Income tax | 401,000 | 698,000 | 1,060,000 | 1,357,000 |
| Net income | 695,000 | 1,227,000 | 1,917,000 | 2,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,937,000 | 25,215,000 | 24,723,000 | 25,312,000 |
| Total capital | 27,723,000 | 28,579,000 | 28,147,000 | 28,881,000 |
| Risk-weighted assets | 266,485,000 | 269,150,000 | 273,891,000 | 285,421,000 |