Call reports 2002
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2002
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 172,507,000 | 174,111,000 | 179,752,000 | 179,354,000 |
| Total loans | 109,412,000 | 113,308,000 | 116,824,000 | 114,585,000 |
| Allowance for loan losses | 1,665,000 | 1,781,000 | 1,877,000 | 1,780,000 |
| Securities available for sale | 45,108,000 | 46,928,000 | 50,067,000 | 53,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,538,000 | 155,325,000 | 157,868,000 | 156,195,000 |
| Interest-bearing deposits | 128,695,000 | 126,840,000 | 129,832,000 | 129,941,000 |
| Noninterest-bearing deposits | 25,843,000 | 28,485,000 | 28,036,000 | 26,254,000 |
| Equity capital | 13,920,000 | 14,688,000 | 15,579,000 | 15,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,803,000 | 5,569,000 | 8,399,000 | 11,073,000 |
| Interest expense | 1,141,000 | 2,183,000 | 3,166,000 | 4,105,000 |
| Net interest income | 1,662,000 | 3,386,000 | 5,233,000 | 6,968,000 |
| Noninterest income | 429,000 | 896,000 | 1,377,000 | 1,842,000 |
| Noninterest expense | 1,420,000 | 2,789,000 | 4,293,000 | 5,707,000 |
| Provision for loan losses | 88,000 | 175,000 | 233,000 | 616,000 |
| Pretax income | 619,000 | 1,374,000 | 2,194,000 | 2,597,000 |
| Income tax | -1,000 | 2,000 | 5,000 | 8,000 |
| Net income | 620,000 | 1,372,000 | 2,189,000 | 2,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,177,000 | 13,363,000 | 13,775,000 | 13,825,000 |
| Total capital | 14,509,000 | 14,726,000 | 15,208,000 | 15,252,000 |
| Risk-weighted assets | 106,242,000 | 108,643,000 | 114,546,000 | 113,843,000 |