Call reports 2014
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2014
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 440,968,000 | 445,656,000 | 451,293,000 | 453,642,000 |
| Total loans | 320,025,000 | 323,004,000 | 325,672,000 | 332,163,000 |
| Allowance for loan losses | 5,237,000 | 5,236,000 | 5,212,000 | 5,217,000 |
| Securities available for sale | 60,873,000 | 64,416,000 | 72,718,000 | 68,644,000 |
| Securities held to maturity | 630,000 | 630,000 | 565,000 | 565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,651,000 | 398,534,000 | 402,840,000 | 405,098,000 |
| Interest-bearing deposits | 283,519,000 | 285,020,000 | 285,363,000 | 292,957,000 |
| Noninterest-bearing deposits | 111,132,000 | 113,514,000 | 117,477,000 | 112,141,000 |
| Equity capital | 42,877,000 | 43,407,000 | 44,265,000 | 44,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,893,000 | 9,856,000 | 14,831,000 | 19,899,000 |
| Interest expense | 450,000 | 899,000 | 1,347,000 | 1,791,000 |
| Net interest income | 4,443,000 | 8,957,000 | 13,484,000 | 18,108,000 |
| Noninterest income | 1,226,000 | 2,478,000 | 3,747,000 | 5,149,000 |
| Noninterest expense | 3,899,000 | 7,815,000 | 11,738,000 | 16,208,000 |
| Provision for loan losses | 125,000 | 125,000 | 125,000 | 300,000 |
| Pretax income | 1,645,000 | 3,495,000 | 5,368,000 | 6,736,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 1,641,000 | 3,491,000 | 5,364,000 | 6,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,325,000 | 40,721,000 | 41,595,000 | 41,416,000 |
| Total capital | 44,283,000 | 44,717,000 | 45,589,000 | 45,468,000 |
| Risk-weighted assets | 315,340,000 | 318,478,000 | 318,339,000 | 323,015,000 |