Call reports 2016
CITY NATIONAL BANK OF SULPHUR SPRINGS, THE — 2016
What CITY NATIONAL BANK OF SULPHUR SPRINGS, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 464,266,000 | 467,818,000 | 495,698,000 | 627,298,000 |
| Total loans | 342,508,000 | 343,516,000 | 343,453,000 | 429,041,000 |
| Allowance for loan losses | 5,091,000 | 5,073,000 | 5,056,000 | 5,082,000 |
| Securities available for sale | 69,897,000 | 69,899,000 | 63,258,000 | 118,765,000 |
| Securities held to maturity | 495,000 | 495,000 | 425,000 | 425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,511,000 | 413,411,000 | 445,448,000 | 552,971,000 |
| Interest-bearing deposits | 281,277,000 | 284,920,000 | 285,489,000 | 390,241,000 |
| Noninterest-bearing deposits | 129,234,000 | 128,491,000 | 159,959,000 | 162,730,000 |
| Equity capital | 49,090,000 | 50,179,000 | 45,712,000 | 69,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,194,000 | 10,452,000 | 15,703,000 | 22,544,000 |
| Interest expense | 389,000 | 771,000 | 1,148,000 | 1,656,000 |
| Net interest income | 4,805,000 | 9,681,000 | 14,555,000 | 20,888,000 |
| Noninterest income | 1,286,000 | 3,457,000 | 4,918,000 | 6,709,000 |
| Noninterest expense | 4,252,000 | 8,614,000 | 13,311,000 | 18,588,000 |
| Provision for loan losses | 0 | 0 | 0 | 106,000 |
| Pretax income | 1,839,000 | 4,524,000 | 6,162,000 | 8,900,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 6,000 |
| Net income | 1,837,000 | 4,521,000 | 6,157,000 | 8,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,632,000 | 47,644,000 | 43,239,000 | 59,649,000 |
| Total capital | 50,952,000 | 51,977,000 | 47,622,000 | 64,731,000 |
| Risk-weighted assets | 344,827,000 | 345,888,000 | 349,941,000 | 431,726,000 |