Call reports 2002
COMMUNITY NATIONAL BANK & TRUST OF TEXAS — 2002
What COMMUNITY NATIONAL BANK & TRUST OF TEXAS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 159,461,000 | 163,201,000 | 166,661,000 | 165,236,000 |
| Total loans | 94,462,000 | 95,890,000 | 97,435,000 | 95,342,000 |
| Allowance for loan losses | 1,878,000 | 1,966,000 | 2,016,000 | 1,909,000 |
| Securities available for sale | 43,710,000 | 43,817,000 | 44,769,000 | 47,070,000 |
| Securities held to maturity | 2,878,000 | 2,579,000 | 2,566,000 | 2,559,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,190,000 | 131,874,000 | 132,321,000 | 131,663,000 |
| Interest-bearing deposits | 95,652,000 | 93,917,000 | 95,748,000 | 96,322,000 |
| Noninterest-bearing deposits | 37,538,000 | 37,957,000 | 36,573,000 | 35,341,000 |
| Equity capital | 19,312,000 | 20,967,000 | 21,760,000 | 22,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,699,000 | 5,383,000 | 8,046,000 | 10,677,000 |
| Interest expense | 712,000 | 1,369,000 | 2,019,000 | 2,701,000 |
| Net interest income | 1,987,000 | 4,014,000 | 6,027,000 | 7,976,000 |
| Noninterest income | 507,000 | 1,073,000 | 1,612,000 | 2,208,000 |
| Noninterest expense | 1,298,000 | 2,685,000 | 4,161,000 | 5,726,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,197,000 | 2,403,000 | 3,478,000 | 4,458,000 |
| Income tax | 388,000 | 777,000 | 1,172,000 | 1,367,000 |
| Net income | 809,000 | 1,626,000 | 2,306,000 | 3,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,227,000 | 20,044,000 | 20,144,000 | 20,695,000 |
| Total capital | 20,556,000 | 21,391,000 | 21,528,000 | 22,059,000 |
| Risk-weighted assets | 105,745,000 | 107,154,000 | 110,059,000 | 108,577,000 |