Call reports 2009
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2009
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 344,424,000 | 346,517,000 | 357,196,000 | 363,180,000 |
| Total loans | 257,036,000 | 265,288,000 | 266,597,000 | 274,490,000 |
| Allowance for loan losses | 3,178,000 | 3,549,000 | 3,679,000 | 3,731,000 |
| Securities available for sale | 53,618,000 | 46,822,000 | 42,353,000 | 40,758,000 |
| Securities held to maturity | 172,000 | 172,000 | 172,000 | 168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,601,000 | 293,307,000 | 306,664,000 | 312,877,000 |
| Interest-bearing deposits | 227,606,000 | 234,739,000 | 247,257,000 | 253,600,000 |
| Noninterest-bearing deposits | 63,995,000 | 58,568,000 | 59,407,000 | 59,277,000 |
| Equity capital | 31,303,000 | 31,090,000 | 32,259,000 | 32,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,228,000 | 10,530,000 | 15,868,000 | 21,166,000 |
| Interest expense | 1,546,000 | 3,043,000 | 4,501,000 | 5,908,000 |
| Net interest income | 3,682,000 | 7,487,000 | 11,367,000 | 15,258,000 |
| Noninterest income | 1,047,000 | 2,328,000 | 3,392,000 | 4,429,000 |
| Noninterest expense | 2,929,000 | 6,154,000 | 9,238,000 | 12,352,000 |
| Provision for loan losses | 341,000 | 990,000 | 1,240,000 | 1,639,000 |
| Pretax income | 1,459,000 | 2,671,000 | 4,281,000 | 5,696,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 1,457,000 | 2,667,000 | 4,275,000 | 5,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,860,000 | 27,819,000 | 28,950,000 | 29,290,000 |
| Total capital | 30,904,000 | 30,969,000 | 32,131,000 | 32,532,000 |
| Risk-weighted assets | 243,376,000 | 251,620,000 | 254,006,000 | 258,833,000 |