Call reports 2008
KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE — 2008
What KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE 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 | 73,555,000 | 73,154,000 | 77,212,000 | 77,529,000 |
| Total loans | 24,517,000 | 26,644,000 | 25,725,000 | 24,942,000 |
| Allowance for loan losses | 267,000 | 283,000 | 270,000 | 316,000 |
| Securities available for sale | 39,918,000 | 38,152,000 | 39,937,000 | 42,749,000 |
| Securities held to maturity | 200,000 | 99,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,784,000 | 64,155,000 | 67,793,000 | 67,897,000 |
| Interest-bearing deposits | 48,946,000 | 49,907,000 | 52,255,000 | 53,147,000 |
| Noninterest-bearing deposits | 14,838,000 | 14,248,000 | 15,538,000 | 14,750,000 |
| Equity capital | 8,944,000 | 8,442,000 | 8,734,000 | 8,564,000 |
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 | 1,032,000 | 2,076,000 | 3,074,000 | 4,089,000 |
| Interest expense | 378,000 | 732,000 | 1,075,000 | 1,403,000 |
| Net interest income | 654,000 | 1,344,000 | 1,999,000 | 2,686,000 |
| Noninterest income | 126,000 | 255,000 | 385,000 | 536,000 |
| Noninterest expense | 651,000 | 1,335,000 | 2,055,000 | 2,934,000 |
| Provision for loan losses | 13,000 | 40,000 | 48,000 | 223,000 |
| Pretax income | 116,000 | 224,000 | 281,000 | 65,000 |
| Income tax | 1,000 | 3,000 | -3,000 | -115,000 |
| Net income | 115,000 | 221,000 | 284,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,595,000 | 8,642,000 | 8,716,000 | 8,612,000 |
| Total capital | 8,862,000 | 8,925,000 | 8,986,000 | 8,928,000 |
| Risk-weighted assets | 32,980,000 | 34,179,000 | 34,694,000 | 35,349,000 |
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