Call reports 2009
COMMUNITY NATIONAL BANK OF THE LAKEWAY AREA — 2009
What COMMUNITY NATIONAL BANK OF THE LAKEWAY AREA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 115,024,000 | 110,804,000 | 124,212,000 | 124,846,000 |
| Total loans | 81,943,000 | 80,351,000 | 78,993,000 | 77,198,000 |
| Allowance for loan losses | 1,570,000 | 1,632,000 | 1,143,000 | 1,439,000 |
| Securities available for sale | 24,523,000 | 20,951,000 | 30,349,000 | 33,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,227,000 | 87,451,000 | 96,383,000 | 98,855,000 |
| Interest-bearing deposits | 82,053,000 | 78,300,000 | 86,367,000 | 89,840,000 |
| Noninterest-bearing deposits | 8,174,000 | 9,151,000 | 10,016,000 | 9,015,000 |
| Equity capital | 13,676,000 | 12,805,000 | 13,092,000 | 12,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,619,000 | 3,170,000 | 4,706,000 | 6,237,000 |
| Interest expense | 674,000 | 1,302,000 | 1,928,000 | 2,560,000 |
| Net interest income | 945,000 | 1,868,000 | 2,778,000 | 3,677,000 |
| Noninterest income | 101,000 | 226,000 | 344,000 | 438,000 |
| Noninterest expense | 2,080,000 | 3,955,000 | 4,502,000 | 5,600,000 |
| Provision for loan losses | 87,000 | 609,000 | 699,000 | 1,139,000 |
| Pretax income | -1,290,000 | -2,201,000 | -2,248,000 | -2,715,000 |
| Income tax | -53,000 | -226,000 | -237,000 | -331,000 |
| Net income | -1,237,000 | -1,975,000 | -2,011,000 | -2,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,577,000 | 11,868,000 | 11,856,000 | 11,239,000 |
| Total capital | 14,557,000 | 12,821,000 | 12,809,000 | 12,186,000 |
| Risk-weighted assets | 77,779,000 | 75,548,000 | 76,016,000 | 75,282,000 |