Call reports 2007
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2007
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 306,544,000 | 311,757,000 | 324,971,000 | 329,145,000 |
| Total loans | 222,808,000 | 232,797,000 | 243,070,000 | 247,184,000 |
| Allowance for loan losses | 1,934,000 | 1,979,000 | 1,959,000 | 2,463,000 |
| Securities available for sale | 54,645,000 | 50,601,000 | 54,471,000 | 55,392,000 |
| Securities held to maturity | 180,000 | 180,000 | 180,000 | 176,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,751,000 | 276,903,000 | 275,918,000 | 280,795,000 |
| Interest-bearing deposits | 208,696,000 | 216,927,000 | 216,383,000 | 224,550,000 |
| Noninterest-bearing deposits | 60,055,000 | 59,976,000 | 59,535,000 | 56,245,000 |
| Equity capital | 25,995,000 | 25,619,000 | 26,935,000 | 27,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,079,000 | 10,391,000 | 15,991,000 | 21,774,000 |
| Interest expense | 1,988,000 | 4,047,000 | 6,257,000 | 8,583,000 |
| Net interest income | 3,091,000 | 6,344,000 | 9,734,000 | 13,191,000 |
| Noninterest income | 858,000 | 1,771,000 | 2,693,000 | 3,679,000 |
| Noninterest expense | 2,524,000 | 5,191,000 | 7,824,000 | 10,536,000 |
| Provision for loan losses | 0 | 50,000 | 125,000 | 1,035,000 |
| Pretax income | 1,425,000 | 2,874,000 | 4,478,000 | 5,299,000 |
| Income tax | 32,000 | 63,000 | 15,000 | 15,000 |
| Net income | 1,393,000 | 2,811,000 | 4,463,000 | 5,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,546,000 | 23,697,000 | 24,514,000 | 24,297,000 |
| Total capital | 25,480,000 | 25,676,000 | 26,473,000 | 26,760,000 |
| Risk-weighted assets | 213,451,000 | 222,117,000 | 232,806,000 | 237,676,000 |