Call reports 2009
KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE — 2009
What KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE 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 | 77,707,000 | 79,038,000 | 85,999,000 | 89,357,000 |
| Total loans | 25,781,000 | 26,531,000 | 27,548,000 | 31,243,000 |
| Allowance for loan losses | 334,000 | 331,000 | 319,000 | 420,000 |
| Securities available for sale | 43,957,000 | 40,651,000 | 42,379,000 | 44,508,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,056,000 | 69,257,000 | 75,569,000 | 79,749,000 |
| Interest-bearing deposits | 53,529,000 | 56,173,000 | 63,035,000 | 64,321,000 |
| Noninterest-bearing deposits | 12,527,000 | 13,084,000 | 12,534,000 | 15,428,000 |
| Equity capital | 8,873,000 | 8,685,000 | 9,057,000 | 8,659,000 |
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 | 1,017,000 | 2,025,000 | 3,009,000 | 4,061,000 |
| Interest expense | 270,000 | 520,000 | 783,000 | 1,015,000 |
| Net interest income | 747,000 | 1,505,000 | 2,226,000 | 3,046,000 |
| Noninterest income | 108,000 | 202,000 | 345,000 | 551,000 |
| Noninterest expense | 840,000 | 1,741,000 | 2,591,000 | 3,995,000 |
| Provision for loan losses | 27,000 | 41,000 | 41,000 | 158,000 |
| Pretax income | -12,000 | -75,000 | -61,000 | -556,000 |
| Income tax | -39,000 | -100,000 | -136,000 | -335,000 |
| Net income | 27,000 | 25,000 | 75,000 | -221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,639,000 | 8,636,000 | 8,686,000 | 8,390,000 |
| Total capital | 8,973,000 | 8,967,000 | 9,005,000 | 8,810,000 |
| Risk-weighted assets | 36,568,000 | 37,669,000 | 39,377,000 | 42,757,000 |
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