Call reports 2009
COMMUNITY BANK & TRUST, WACO, TEXAS — 2009
What COMMUNITY BANK & TRUST, WACO, TEXAS 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 | 409,349,000 | 387,084,000 | 389,646,000 | 392,829,000 |
| Total loans | 283,811,000 | 283,040,000 | 284,702,000 | 289,015,000 |
| Allowance for loan losses | 2,670,000 | 2,892,000 | 3,470,000 | 2,885,000 |
| Securities available for sale | 79,602,000 | 70,704,000 | 60,288,000 | 59,187,000 |
| Securities held to maturity | 6,316,000 | 9,052,000 | 10,633,000 | 13,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,530,000 | 329,081,000 | 338,752,000 | 343,182,000 |
| Interest-bearing deposits | 292,320,000 | 278,001,000 | 284,825,000 | 285,168,000 |
| Noninterest-bearing deposits | 53,210,000 | 51,080,000 | 53,927,000 | 58,014,000 |
| Equity capital | 37,373,000 | 37,359,000 | 38,448,000 | 38,270,000 |
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 | 5,400,000 | 10,743,000 | 15,995,000 | 21,204,000 |
| Interest expense | 2,090,000 | 4,037,000 | 5,696,000 | 7,270,000 |
| Net interest income | 3,310,000 | 6,706,000 | 10,299,000 | 13,934,000 |
| Noninterest income | 953,000 | 1,956,000 | 2,853,000 | 3,738,000 |
| Noninterest expense | 2,838,000 | 5,951,000 | 8,977,000 | 11,750,000 |
| Provision for loan losses | 300,000 | 900,000 | 1,500,000 | 3,200,000 |
| Pretax income | 1,325,000 | 2,011,000 | 2,892,000 | 2,939,000 |
| Income tax | 399,000 | 541,000 | 809,000 | 770,000 |
| Net income | 926,000 | 1,470,000 | 2,083,000 | 2,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,922,000 | 36,466,000 | 36,979,000 | 36,915,000 |
| Total capital | 38,592,000 | 39,358,000 | 40,449,000 | 39,800,000 |
| Risk-weighted assets | 291,460,000 | 285,193,000 | 285,725,000 | 291,811,000 |
Machine access — free, no API key
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