Call reports 2013
COMMUNITY BANK & TRUST, WACO, TEXAS — 2013
What COMMUNITY BANK & TRUST, WACO, TEXAS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 407,753,000 | 398,305,000 | 396,872,000 | 399,275,000 |
| Total loans | 273,716,000 | 274,804,000 | 268,017,000 | 272,364,000 |
| Allowance for loan losses | 4,414,000 | 3,940,000 | 3,772,000 | 4,361,000 |
| Securities available for sale | 66,386,000 | 71,828,000 | 78,620,000 | 75,675,000 |
| Securities held to maturity | 30,774,000 | 32,941,000 | 33,323,000 | 33,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,564,000 | 350,555,000 | 349,117,000 | 351,748,000 |
| Interest-bearing deposits | 282,492,000 | 275,175,000 | 272,290,000 | 268,348,000 |
| Noninterest-bearing deposits | 77,072,000 | 75,380,000 | 76,827,000 | 83,400,000 |
| Equity capital | 47,384,000 | 47,021,000 | 46,858,000 | 47,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,384,000 | 8,785,000 | 13,102,000 | 17,351,000 |
| Interest expense | 709,000 | 1,383,000 | 2,023,000 | 2,629,000 |
| Net interest income | 3,675,000 | 7,402,000 | 11,079,000 | 14,722,000 |
| Noninterest income | 1,068,000 | 2,118,000 | 3,196,000 | 4,241,000 |
| Noninterest expense | 2,841,000 | 5,755,000 | 8,790,000 | 11,760,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,500,000 | 2,100,000 |
| Pretax income | 1,446,000 | 2,859,000 | 3,979,000 | 5,102,000 |
| Income tax | 348,000 | 675,000 | 888,000 | 1,307,000 |
| Net income | 1,098,000 | 2,184,000 | 3,091,000 | 3,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,717,000 | 47,804,000 | 48,710,000 | 49,314,000 |
| Total capital | 50,097,000 | 51,155,000 | 51,973,000 | 52,598,000 |
| Risk-weighted assets | 269,381,000 | 267,480,000 | 260,530,000 | 261,656,000 |
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