Call reports 2015
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2015
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 456,305,000 | 458,439,000 | 462,048,000 | 465,321,000 |
| Total loans | 332,286,000 | 335,918,000 | 338,833,000 | 341,375,000 |
| Allowance for loan losses | 5,173,000 | 5,140,000 | 5,099,000 | 5,072,000 |
| Securities available for sale | 69,390,000 | 67,577,000 | 63,217,000 | 72,770,000 |
| Securities held to maturity | 565,000 | 565,000 | 495,000 | 495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,680,000 | 407,479,000 | 409,354,000 | 413,305,000 |
| Interest-bearing deposits | 286,524,000 | 282,052,000 | 283,581,000 | 287,934,000 |
| Noninterest-bearing deposits | 119,156,000 | 125,427,000 | 125,773,000 | 125,371,000 |
| Equity capital | 46,302,000 | 46,163,000 | 47,455,000 | 46,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,110,000 | 10,190,000 | 15,372,000 | 20,586,000 |
| Interest expense | 417,000 | 827,000 | 1,233,000 | 1,640,000 |
| Net interest income | 4,693,000 | 9,363,000 | 14,139,000 | 18,946,000 |
| Noninterest income | 1,188,000 | 2,556,000 | 3,912,000 | 5,236,000 |
| Noninterest expense | 3,919,000 | 7,901,000 | 11,980,000 | 16,079,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,962,000 | 4,018,000 | 6,071,000 | 8,089,000 |
| Income tax | 3,000 | 4,000 | 6,000 | 7,000 |
| Net income | 1,959,000 | 4,014,000 | 6,065,000 | 8,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,659,000 | 43,949,000 | 45,053,000 | 44,847,000 |
| Total capital | 47,669,000 | 48,083,000 | 49,253,000 | 49,152,000 |
| Risk-weighted assets | 319,675,000 | 329,748,000 | 335,074,000 | 343,595,000 |