Call reports 2013
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2013
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 435,133,000 | 441,230,000 | 437,585,000 | 434,990,000 |
| Total loans | 309,109,000 | 313,159,000 | 312,533,000 | 318,886,000 |
| Allowance for loan losses | 4,869,000 | 4,461,000 | 4,596,000 | 5,245,000 |
| Securities available for sale | 46,598,000 | 47,222,000 | 61,622,000 | 60,916,000 |
| Securities held to maturity | 700,000 | 700,000 | 630,000 | 630,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,118,000 | 396,864,000 | 391,980,000 | 390,028,000 |
| Interest-bearing deposits | 294,033,000 | 292,149,000 | 286,815,000 | 283,911,000 |
| Noninterest-bearing deposits | 97,085,000 | 104,715,000 | 105,165,000 | 106,117,000 |
| Equity capital | 40,872,000 | 40,794,000 | 41,622,000 | 41,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,839,000 | 9,719,000 | 14,641,000 | 19,529,000 |
| Interest expense | 561,000 | 1,098,000 | 1,603,000 | 2,080,000 |
| Net interest income | 4,278,000 | 8,621,000 | 13,038,000 | 17,449,000 |
| Noninterest income | 1,206,000 | 2,339,000 | 3,577,000 | 4,713,000 |
| Noninterest expense | 3,543,000 | 7,146,000 | 10,887,000 | 14,609,000 |
| Provision for loan losses | 160,000 | 260,000 | 460,000 | 1,260,000 |
| Pretax income | 1,781,000 | 3,554,000 | 5,268,000 | 6,282,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 14,000 |
| Net income | 1,778,000 | 3,547,000 | 5,258,000 | 6,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,825,000 | 38,207,000 | 38,997,000 | 38,677,000 |
| Total capital | 41,454,000 | 41,962,000 | 42,853,000 | 42,612,000 |
| Risk-weighted assets | 289,075,000 | 299,710,000 | 307,707,000 | 313,489,000 |