Call reports 2007
COMMUNITY NATIONAL BANK OF THE LAKEWAY AREA — 2007
What COMMUNITY NATIONAL BANK OF THE LAKEWAY AREA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,940,000 | 104,184,000 | 104,648,000 | 106,455,000 |
| Total loans | 74,958,000 | 74,473,000 | 77,216,000 | 77,051,000 |
| Allowance for loan losses | 687,000 | 680,000 | 696,000 | 702,000 |
| Securities available for sale | 15,898,000 | 15,104,000 | 14,960,000 | 13,669,000 |
| Securities held to maturity | 5,874,000 | 5,623,000 | 5,399,000 | 5,212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,879,000 | 74,527,000 | 75,549,000 | 73,125,000 |
| Interest-bearing deposits | 67,089,000 | 63,836,000 | 65,769,000 | 64,383,000 |
| Noninterest-bearing deposits | 8,790,000 | 10,691,000 | 9,780,000 | 8,742,000 |
| Equity capital | 14,486,000 | 14,597,000 | 15,048,000 | 16,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,713,000 | 3,463,000 | 5,205,000 | 6,975,000 |
| Interest expense | 831,000 | 1,673,000 | 2,517,000 | 3,352,000 |
| Net interest income | 882,000 | 1,790,000 | 2,688,000 | 3,623,000 |
| Noninterest income | 90,000 | 182,000 | 276,000 | 368,000 |
| Noninterest expense | 804,000 | 1,657,000 | 2,529,000 | 3,504,000 |
| Provision for loan losses | 38,000 | 64,000 | 89,000 | 96,000 |
| Pretax income | 127,000 | 248,000 | 370,000 | 422,000 |
| Income tax | 0 | 0 | 0 | -655,000 |
| Net income | 127,000 | 248,000 | 370,000 | 1,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,736,000 | 15,067,000 | 15,329,000 | 16,471,000 |
| Total capital | 15,423,000 | 15,747,000 | 16,025,000 | 17,173,000 |
| Risk-weighted assets | 75,450,000 | 75,028,000 | 76,865,000 | 78,581,000 |