Call reports 2006
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2006
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 280,610,000 | 297,645,000 | 297,622,000 | 300,556,000 |
| Total loans | 196,076,000 | 205,961,000 | 209,410,000 | 217,707,000 |
| Allowance for loan losses | 2,116,000 | 2,124,000 | 2,100,000 | 1,943,000 |
| Securities available for sale | 56,228,000 | 65,927,000 | 61,351,000 | 59,294,000 |
| Securities held to maturity | 184,000 | 184,000 | 184,000 | 180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,017,000 | 257,510,000 | 259,815,000 | 260,148,000 |
| Interest-bearing deposits | 193,815,000 | 199,455,000 | 203,631,000 | 206,590,000 |
| Noninterest-bearing deposits | 54,202,000 | 58,055,000 | 56,184,000 | 53,558,000 |
| Equity capital | 22,762,000 | 22,533,000 | 23,692,000 | 24,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,092,000 | 8,524,000 | 13,346,000 | 18,369,000 |
| Interest expense | 1,371,000 | 3,015,000 | 4,945,000 | 6,931,000 |
| Net interest income | 2,721,000 | 5,509,000 | 8,401,000 | 11,438,000 |
| Noninterest income | 852,000 | 1,711,000 | 2,616,000 | 3,542,000 |
| Noninterest expense | 2,379,000 | 4,741,000 | 7,179,000 | 9,753,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 200,000 |
| Pretax income | 1,194,000 | 2,479,000 | 3,603,000 | 4,992,000 |
| Income tax | 6,000 | 17,000 | 22,000 | 28,000 |
| Net income | 1,188,000 | 2,462,000 | 3,581,000 | 4,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,706,000 | 20,929,000 | 21,401,000 | 22,414,000 |
| Total capital | 22,822,000 | 23,053,000 | 23,501,000 | 24,357,000 |
| Risk-weighted assets | 187,831,000 | 203,335,000 | 204,264,000 | 209,147,000 |