Call reports 2008
CB&T BANK OF EAST ALABAMA — 2008
What CB&T BANK OF EAST ALABAMA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 317,505,000 | 323,119,000 | 307,460,000 | 303,944,000 |
| Total loans | 261,859,000 | 260,475,000 | 252,551,000 | 252,890,000 |
| Allowance for loan losses | 3,441,000 | 3,604,000 | 3,310,000 | 4,333,000 |
| Securities available for sale | 27,214,000 | 28,387,000 | 27,948,000 | 27,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,386,000 | 254,569,000 | 255,648,000 | 241,851,000 |
| Interest-bearing deposits | 247,187,000 | 241,246,000 | 242,606,000 | 229,101,000 |
| Noninterest-bearing deposits | 15,199,000 | 13,323,000 | 13,042,000 | 12,750,000 |
| Equity capital | 27,117,000 | 26,825,000 | 27,059,000 | 26,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,192,000 | 9,823,000 | 14,364,000 | 18,624,000 |
| Interest expense | 2,341,000 | 4,304,000 | 6,126,000 | 7,770,000 |
| Net interest income | 2,851,000 | 5,519,000 | 8,238,000 | 10,854,000 |
| Noninterest income | 653,000 | 1,326,000 | 1,970,000 | 2,367,000 |
| Noninterest expense | 1,978,000 | 4,026,000 | 6,073,000 | 8,157,000 |
| Provision for loan losses | -253,000 | 35,000 | 197,000 | 1,975,000 |
| Pretax income | 1,779,000 | 2,784,000 | 3,938,000 | 3,089,000 |
| Income tax | 652,000 | 1,024,000 | 1,450,000 | 1,104,000 |
| Net income | 1,127,000 | 1,760,000 | 2,488,000 | 1,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,458,000 | 26,612,000 | 26,848,000 | 25,863,000 |
| Total capital | 29,899,000 | 30,247,000 | 30,191,000 | 29,285,000 |
| Risk-weighted assets | 285,884,000 | 290,836,000 | 276,778,000 | 274,427,000 |