Call reports 2010
COMMUNITY NATIONAL BANK OF THE LAKEWAY AREA — 2010
What COMMUNITY NATIONAL BANK OF THE LAKEWAY AREA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 125,049,000 | 122,896,000 | 115,344,000 | 109,263,000 |
| Total loans | 74,471,000 | 73,391,000 | 71,727,000 | 69,181,000 |
| Allowance for loan losses | 1,539,000 | 1,408,000 | 1,322,000 | 1,228,000 |
| Securities available for sale | 33,820,000 | 33,644,000 | 25,497,000 | 29,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,211,000 | 95,553,000 | 88,563,000 | 83,775,000 |
| Interest-bearing deposits | 90,534,000 | 87,168,000 | 79,993,000 | 76,179,000 |
| Noninterest-bearing deposits | 8,677,000 | 8,385,000 | 8,570,000 | 7,596,000 |
| Equity capital | 12,665,000 | 12,810,000 | 12,478,000 | 11,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,506,000 | 2,966,000 | 4,375,000 | 5,728,000 |
| Interest expense | 566,000 | 1,094,000 | 1,560,000 | 1,929,000 |
| Net interest income | 940,000 | 1,872,000 | 2,815,000 | 3,799,000 |
| Noninterest income | 182,000 | 325,000 | 442,000 | 558,000 |
| Noninterest expense | 1,067,000 | 2,087,000 | 3,103,000 | 4,174,000 |
| Provision for loan losses | 100,000 | 187,000 | 609,000 | 859,000 |
| Pretax income | -45,000 | 94,000 | 48,000 | -173,000 |
| Income tax | -42,000 | 17,000 | 66,000 | 31,000 |
| Net income | -3,000 | 77,000 | -18,000 | -204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,355,000 | 11,511,000 | 11,330,000 | 10,910,000 |
| Total capital | 12,280,000 | 12,430,000 | 12,239,000 | 11,782,000 |
| Risk-weighted assets | 73,353,000 | 73,010,000 | 72,304,000 | 69,384,000 |