Call reports 2012
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2012
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 422,907,000 | 421,200,000 | 426,972,000 | 432,028,000 |
| Total loans | 302,698,000 | 310,324,000 | 314,862,000 | 310,534,000 |
| Allowance for loan losses | 4,584,000 | 4,728,000 | 4,762,000 | 4,985,000 |
| Securities available for sale | 56,187,000 | 55,141,000 | 47,852,000 | 51,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,200,000 | 380,190,000 | 384,492,000 | 389,223,000 |
| Interest-bearing deposits | 293,290,000 | 291,303,000 | 291,680,000 | 297,319,000 |
| Noninterest-bearing deposits | 88,910,000 | 88,887,000 | 92,812,000 | 91,904,000 |
| Equity capital | 37,707,000 | 37,658,000 | 38,677,000 | 39,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,026,000 | 10,064,000 | 15,137,000 | 20,185,000 |
| Interest expense | 804,000 | 1,543,000 | 2,221,000 | 2,844,000 |
| Net interest income | 4,222,000 | 8,521,000 | 12,916,000 | 17,341,000 |
| Noninterest income | 1,093,000 | 2,250,000 | 3,467,000 | 4,836,000 |
| Noninterest expense | 3,529,000 | 7,011,000 | 10,510,000 | 14,069,000 |
| Provision for loan losses | 330,000 | 750,000 | 1,050,000 | 1,225,000 |
| Pretax income | 1,456,000 | 3,010,000 | 4,823,000 | 6,876,000 |
| Income tax | 4,000 | 7,000 | 11,000 | 14,000 |
| Net income | 1,452,000 | 3,003,000 | 4,812,000 | 6,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,308,000 | 34,333,000 | 35,396,000 | 36,044,000 |
| Total capital | 37,819,000 | 37,905,000 | 39,016,000 | 39,655,000 |
| Risk-weighted assets | 279,772,000 | 284,602,000 | 288,488,000 | 287,529,000 |