Call reports 2003
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2003
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 179,582,000 | 186,948,000 | 188,417,000 | 190,025,000 |
| Total loans | 117,069,000 | 118,866,000 | 113,377,000 | 115,807,000 |
| Allowance for loan losses | 1,742,000 | 1,724,000 | 1,790,000 | 1,735,000 |
| Securities available for sale | 47,397,000 | 46,483,000 | 55,855,000 | 55,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,731,000 | 168,082,000 | 171,193,000 | 168,500,000 |
| Interest-bearing deposits | 131,957,000 | 136,530,000 | 137,989,000 | 135,302,000 |
| Noninterest-bearing deposits | 28,774,000 | 31,552,000 | 33,204,000 | 33,198,000 |
| Equity capital | 15,820,000 | 15,646,000 | 15,873,000 | 20,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,569,000 | 5,077,000 | 7,533,000 | 10,006,000 |
| Interest expense | 849,000 | 1,659,000 | 2,386,000 | 3,048,000 |
| Net interest income | 1,720,000 | 3,418,000 | 5,147,000 | 6,958,000 |
| Noninterest income | 468,000 | 1,022,000 | 1,671,000 | 2,256,000 |
| Noninterest expense | 1,488,000 | 3,038,000 | 4,560,000 | 6,120,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 175,000 |
| Pretax income | 663,000 | 1,327,000 | 2,154,000 | 2,997,000 |
| Income tax | 3,000 | -9,000 | -8,000 | -6,000 |
| Net income | 660,000 | 1,336,000 | 2,162,000 | 3,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,354,000 | 14,302,000 | 14,850,000 | 19,342,000 |
| Total capital | 15,796,000 | 15,759,000 | 16,319,000 | 20,889,000 |
| Risk-weighted assets | 115,028,000 | 116,317,000 | 117,233,000 | 123,535,000 |