Call reports 2012
COMMUNITY BANK & TRUST, WACO, TEXAS — 2012
What COMMUNITY BANK & TRUST, WACO, TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 402,453,000 | 405,479,000 | 406,165,000 | 408,391,000 |
| Total loans | 292,949,000 | 285,646,000 | 279,232,000 | 275,832,000 |
| Allowance for loan losses | 5,088,000 | 5,652,000 | 5,680,000 | 4,355,000 |
| Securities available for sale | 46,217,000 | 58,730,000 | 67,451,000 | 76,458,000 |
| Securities held to maturity | 30,027,000 | 29,853,000 | 31,121,000 | 31,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,328,000 | 358,449,000 | 357,941,000 | 361,276,000 |
| Interest-bearing deposits | 290,584,000 | 287,205,000 | 287,101,000 | 284,081,000 |
| Noninterest-bearing deposits | 65,744,000 | 71,244,000 | 70,840,000 | 77,195,000 |
| Equity capital | 45,344,000 | 46,383,000 | 47,356,000 | 46,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,967,000 | 9,782,000 | 14,507,000 | 19,060,000 |
| Interest expense | 944,000 | 1,806,000 | 2,622,000 | 3,383,000 |
| Net interest income | 4,023,000 | 7,976,000 | 11,885,000 | 15,677,000 |
| Noninterest income | 925,000 | 1,932,000 | 2,942,000 | 3,866,000 |
| Noninterest expense | 2,949,000 | 6,052,000 | 9,117,000 | 12,210,000 |
| Provision for loan losses | 450,000 | 1,050,000 | 1,650,000 | 2,250,000 |
| Pretax income | 1,555,000 | 2,812,000 | 4,074,000 | 5,097,000 |
| Income tax | 473,000 | 825,000 | 1,116,000 | 1,509,000 |
| Net income | 1,082,000 | 1,987,000 | 2,958,000 | 3,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,284,000 | 45,190,000 | 46,160,000 | 46,042,000 |
| Total capital | 47,841,000 | 48,716,000 | 49,603,000 | 49,458,000 |
| Risk-weighted assets | 283,043,000 | 279,951,000 | 273,174,000 | 272,313,000 |