Call reports 2005
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2005
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 246,554,000 | 247,381,000 | 261,202,000 | 268,351,000 |
| Total loans | 164,518,000 | 173,487,000 | 183,780,000 | 189,589,000 |
| Allowance for loan losses | 2,304,000 | 2,376,000 | 2,289,000 | 2,096,000 |
| Securities available for sale | 55,840,000 | 49,859,000 | 49,691,000 | 54,079,000 |
| Securities held to maturity | 0 | 0 | 188,000 | 184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,298,000 | 222,575,000 | 233,514,000 | 237,457,000 |
| Interest-bearing deposits | 170,111,000 | 169,692,000 | 180,786,000 | 183,253,000 |
| Noninterest-bearing deposits | 54,187,000 | 52,883,000 | 52,728,000 | 54,204,000 |
| Equity capital | 20,724,000 | 21,025,000 | 21,597,000 | 21,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,124,000 | 6,457,000 | 9,972,000 | 13,798,000 |
| Interest expense | 745,000 | 1,595,000 | 2,606,000 | 3,797,000 |
| Net interest income | 2,379,000 | 4,862,000 | 7,366,000 | 10,001,000 |
| Noninterest income | 711,000 | 1,494,000 | 2,294,000 | 3,107,000 |
| Noninterest expense | 2,334,000 | 4,652,000 | 6,968,000 | 9,221,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 647,000 | 1,496,000 | 2,407,000 | 3,453,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 9,000 |
| Net income | 645,000 | 1,491,000 | 2,400,000 | 3,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,287,000 | 18,482,000 | 19,074,000 | 19,660,000 |
| Total capital | 20,344,000 | 20,620,000 | 21,331,000 | 21,756,000 |
| Risk-weighted assets | 164,314,000 | 170,783,000 | 180,566,000 | 183,231,000 |