Call reports 2020
COMMUNITY BANK & TRUST, WACO, TEXAS — 2020
What COMMUNITY BANK & TRUST, WACO, TEXAS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 468,200,000 | 543,975,000 | 525,419,000 | 520,797,000 |
| Total loans | 320,680,000 | 347,460,000 | 346,204,000 | 331,302,000 |
| Allowance for loan losses | 4,604,000 | 5,253,000 | 6,028,000 | 6,616,000 |
| Securities available for sale | 117,050,000 | 119,967,000 | 130,932,000 | 136,336,000 |
| Securities held to maturity | 1,337,000 | 1,332,000 | 1,326,000 | 1,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,890,000 | 443,875,000 | 445,802,000 | 440,867,000 |
| Interest-bearing deposits | 272,687,000 | 293,721,000 | 293,348,000 | 306,067,000 |
| Noninterest-bearing deposits | 115,203,000 | 150,154,000 | 152,454,000 | 134,800,000 |
| Equity capital | 74,393,000 | 76,375,000 | 77,583,000 | 79,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,776,000 | 9,788,000 | 14,739,000 | 19,510,000 |
| Interest expense | 674,000 | 1,327,000 | 1,924,000 | 2,450,000 |
| Net interest income | 4,102,000 | 8,461,000 | 12,815,000 | 17,060,000 |
| Noninterest income | 1,571,000 | 3,100,000 | 4,667,000 | 6,236,000 |
| Noninterest expense | 3,784,000 | 7,807,000 | 11,524,000 | 15,098,000 |
| Provision for loan losses | 250,000 | 900,000 | 1,650,000 | 2,400,000 |
| Pretax income | 1,673,000 | 2,888,000 | 4,342,000 | 5,832,000 |
| Income tax | 292,000 | 438,000 | 651,000 | 877,000 |
| Net income | 1,381,000 | 2,450,000 | 3,691,000 | 4,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,997,000 | 73,066,000 | 74,307,000 | 75,346,000 |
| Total capital | 76,157,000 | 77,248,000 | 78,384,000 | 79,270,000 |
| Risk-weighted assets | 332,357,000 | 333,482,000 | 324,180,000 | 311,243,000 |