Call reports 2015
COMMUNITY BANK & TRUST, WACO, TEXAS — 2015
What COMMUNITY BANK & TRUST, WACO, TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 405,522,000 | 401,535,000 | 401,849,000 | 419,722,000 |
| Total loans | 261,166,000 | 266,046,000 | 264,817,000 | 287,105,000 |
| Allowance for loan losses | 3,534,000 | 3,771,000 | 4,217,000 | 4,488,000 |
| Securities available for sale | 73,744,000 | 74,005,000 | 78,923,000 | 67,281,000 |
| Securities held to maturity | 31,179,000 | 32,081,000 | 34,631,000 | 35,215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,672,000 | 347,636,000 | 346,283,000 | 364,621,000 |
| Interest-bearing deposits | 265,053,000 | 260,975,000 | 258,227,000 | 261,295,000 |
| Noninterest-bearing deposits | 86,619,000 | 86,661,000 | 88,056,000 | 103,326,000 |
| Equity capital | 53,186,000 | 53,235,000 | 54,519,000 | 54,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,973,000 | 7,898,000 | 11,893,000 | 15,964,000 |
| Interest expense | 492,000 | 985,000 | 1,470,000 | 1,951,000 |
| Net interest income | 3,481,000 | 6,913,000 | 10,423,000 | 14,013,000 |
| Noninterest income | 1,120,000 | 2,404,000 | 3,605,000 | 5,091,000 |
| Noninterest expense | 3,148,000 | 6,359,000 | 9,632,000 | 13,570,000 |
| Provision for loan losses | 500,000 | 800,000 | 1,100,000 | 1,400,000 |
| Pretax income | 1,001,000 | 2,235,000 | 3,387,000 | 4,231,000 |
| Income tax | 244,000 | 830,000 | 1,118,000 | 1,274,000 |
| Net income | 757,000 | 1,405,000 | 2,269,000 | 2,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,935,000 | 53,583,000 | 54,447,000 | 55,034,000 |
| Total capital | 56,289,000 | 56,965,000 | 57,812,000 | 58,646,000 |
| Risk-weighted assets | 268,207,000 | 270,183,000 | 268,317,000 | 288,075,000 |