Call reports 2009
CB&T BANK OF EAST ALABAMA — 2009
What CB&T BANK OF EAST ALABAMA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 302,407,000 | 309,720,000 | 318,501,000 | 294,815,000 |
| Total loans | 251,978,000 | 259,347,000 | 252,960,000 | 253,333,000 |
| Allowance for loan losses | 5,242,000 | 5,601,000 | 6,325,000 | 7,182,000 |
| Securities available for sale | 27,578,000 | 27,317,000 | 20,223,000 | 19,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,553,000 | 263,954,000 | 275,110,000 | 260,369,000 |
| Interest-bearing deposits | 217,665,000 | 222,878,000 | 233,623,000 | 218,792,000 |
| Noninterest-bearing deposits | 12,888,000 | 41,076,000 | 41,487,000 | 41,577,000 |
| Equity capital | 26,714,000 | 26,932,000 | 26,047,000 | 28,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,923,000 | 7,780,000 | 11,704,000 | 15,586,000 |
| Interest expense | 1,079,000 | 2,036,000 | 2,996,000 | 3,832,000 |
| Net interest income | 2,844,000 | 5,744,000 | 8,708,000 | 11,754,000 |
| Noninterest income | 634,000 | 901,000 | 1,164,000 | 1,687,000 |
| Noninterest expense | 1,951,000 | 4,159,000 | 6,257,000 | 8,372,000 |
| Provision for loan losses | 1,333,000 | 1,853,000 | 3,153,000 | 4,537,000 |
| Pretax income | 194,000 | 633,000 | 727,000 | 797,000 |
| Income tax | 67,000 | 221,000 | 243,000 | 270,000 |
| Net income | 127,000 | 412,000 | 484,000 | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,005,000 | 26,304,000 | 25,596,000 | 28,147,000 |
| Total capital | 29,465,000 | 29,664,000 | 28,933,000 | 31,427,000 |
| Risk-weighted assets | 274,983,000 | 266,840,000 | 264,258,000 | 257,875,000 |