Call reports 2008
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2008
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 337,024,000 | 337,621,000 | 340,828,000 | 341,179,000 |
| Total loans | 239,830,000 | 243,096,000 | 250,124,000 | 252,552,000 |
| Allowance for loan losses | 2,893,000 | 2,907,000 | 3,282,000 | 3,109,000 |
| Securities available for sale | 65,493,000 | 67,225,000 | 61,989,000 | 58,895,000 |
| Securities held to maturity | 176,000 | 176,000 | 176,000 | 172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,742,000 | 287,734,000 | 285,509,000 | 289,467,000 |
| Interest-bearing deposits | 227,008,000 | 224,455,000 | 222,306,000 | 222,201,000 |
| Noninterest-bearing deposits | 59,734,000 | 63,279,000 | 63,203,000 | 67,266,000 |
| Equity capital | 28,903,000 | 28,061,000 | 28,571,000 | 29,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,606,000 | 11,085,000 | 16,539,000 | 21,932,000 |
| Interest expense | 2,222,000 | 4,237,000 | 6,085,000 | 7,827,000 |
| Net interest income | 3,384,000 | 6,848,000 | 10,454,000 | 14,105,000 |
| Noninterest income | 1,043,000 | 2,118,000 | 3,169,000 | 4,219,000 |
| Noninterest expense | 2,800,000 | 5,599,000 | 8,360,000 | 11,098,000 |
| Provision for loan losses | 850,000 | 1,000,000 | 1,600,000 | 2,050,000 |
| Pretax income | 777,000 | 2,367,000 | 3,663,000 | 5,176,000 |
| Income tax | 4,000 | 6,000 | 11,000 | 15,000 |
| Net income | 773,000 | 2,361,000 | 3,652,000 | 5,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,050,000 | 25,603,000 | 25,878,000 | 26,611,000 |
| Total capital | 27,943,000 | 28,510,000 | 28,866,000 | 29,623,000 |
| Risk-weighted assets | 237,741,000 | 234,514,000 | 238,777,000 | 240,849,000 |