Call reports 2016
COMMUNITY BANK & TRUST, WACO, TEXAS — 2016
What COMMUNITY BANK & TRUST, WACO, TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 412,711,000 | 417,415,000 | 425,045,000 | 429,946,000 |
| Total loans | 282,951,000 | 288,132,000 | 291,724,000 | 304,175,000 |
| Allowance for loan losses | 4,369,000 | 4,613,000 | 4,872,000 | 4,615,000 |
| Securities available for sale | 60,902,000 | 52,880,000 | 64,293,000 | 65,053,000 |
| Securities held to maturity | 31,898,000 | 34,236,000 | 35,084,000 | 36,119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,287,000 | 359,295,000 | 365,733,000 | 372,599,000 |
| Interest-bearing deposits | 260,621,000 | 264,310,000 | 264,542,000 | 267,106,000 |
| Noninterest-bearing deposits | 95,666,000 | 94,985,000 | 101,191,000 | 105,493,000 |
| Equity capital | 55,957,000 | 57,307,000 | 58,307,000 | 57,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,150,000 | 8,204,000 | 12,262,000 | 16,354,000 |
| Interest expense | 477,000 | 950,000 | 1,421,000 | 1,883,000 |
| Net interest income | 3,673,000 | 7,254,000 | 10,841,000 | 14,471,000 |
| Noninterest income | 1,250,000 | 2,586,000 | 3,991,000 | 5,249,000 |
| Noninterest expense | 3,484,000 | 6,856,000 | 10,332,000 | 13,923,000 |
| Provision for loan losses | 270,000 | 540,000 | 810,000 | 1,080,000 |
| Pretax income | 1,185,000 | 2,471,000 | 3,724,000 | 4,746,000 |
| Income tax | 298,000 | 526,000 | 717,000 | 1,099,000 |
| Net income | 887,000 | 1,945,000 | 3,007,000 | 3,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,733,000 | 56,792,000 | 57,854,000 | 58,369,000 |
| Total capital | 59,279,000 | 60,404,000 | 61,509,000 | 62,168,000 |
| Risk-weighted assets | 282,871,000 | 287,927,000 | 291,172,000 | 303,079,000 |