Call reports 2008
COMMUNITY NATIONAL BANK OF THE LAKEWAY AREA — 2008
What COMMUNITY NATIONAL BANK OF THE LAKEWAY AREA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 111,624,000 | 112,426,000 | 117,389,000 | 118,065,000 |
| Total loans | 74,185,000 | 76,248,000 | 77,558,000 | 83,850,000 |
| Allowance for loan losses | 853,000 | 897,000 | 925,000 | 2,522,000 |
| Securities available for sale | 20,837,000 | 20,839,000 | 22,225,000 | 22,685,000 |
| Securities held to maturity | 5,011,000 | 4,786,000 | 4,597,000 | 3,686,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,697,000 | 80,151,000 | 89,102,000 | 92,385,000 |
| Interest-bearing deposits | 68,362,000 | 70,597,000 | 79,530,000 | 82,905,000 |
| Noninterest-bearing deposits | 9,335,000 | 9,554,000 | 9,572,000 | 9,480,000 |
| Equity capital | 16,265,000 | 15,731,000 | 16,095,000 | 14,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,616,000 | 3,261,000 | 4,948,000 | 6,663,000 |
| Interest expense | 785,000 | 1,508,000 | 2,216,000 | 2,939,000 |
| Net interest income | 831,000 | 1,753,000 | 2,732,000 | 3,724,000 |
| Noninterest income | 103,000 | 193,000 | 313,000 | 429,000 |
| Noninterest expense | 1,001,000 | 1,988,000 | 3,041,000 | 4,262,000 |
| Provision for loan losses | 180,000 | 225,000 | 365,000 | 1,945,000 |
| Pretax income | -240,000 | -260,000 | -354,000 | -2,002,000 |
| Income tax | -9,000 | -13,000 | -32,000 | -345,000 |
| Net income | -231,000 | -247,000 | -322,000 | -1,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,240,000 | 16,225,000 | 16,149,000 | 14,814,000 |
| Total capital | 17,093,000 | 17,125,000 | 17,074,000 | 15,846,000 |
| Risk-weighted assets | 76,003,000 | 77,242,000 | 78,956,000 | 81,026,000 |