Call reports 2003
COMMUNITY NATIONAL BANK & TRUST OF TEXAS — 2003
What COMMUNITY NATIONAL BANK & TRUST OF TEXAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 169,504,000 | 171,864,000 | 175,517,000 | 170,407,000 |
| Total loans | 97,123,000 | 97,245,000 | 99,113,000 | 97,756,000 |
| Allowance for loan losses | 1,932,000 | 1,949,000 | 1,979,000 | 1,953,000 |
| Securities available for sale | 44,342,000 | 52,596,000 | 53,540,000 | 54,156,000 |
| Securities held to maturity | 2,556,000 | 53,000 | 51,000 | 48,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,718,000 | 137,621,000 | 142,509,000 | 136,407,000 |
| Interest-bearing deposits | 97,011,000 | 96,801,000 | 94,635,000 | 93,506,000 |
| Noninterest-bearing deposits | 39,707,000 | 40,820,000 | 47,874,000 | 42,901,000 |
| Equity capital | 21,484,000 | 22,697,000 | 22,681,000 | 23,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,532,000 | 5,046,000 | 7,567,000 | 10,124,000 |
| Interest expense | 587,000 | 1,146,000 | 1,658,000 | 2,142,000 |
| Net interest income | 1,945,000 | 3,900,000 | 5,909,000 | 7,982,000 |
| Noninterest income | 617,000 | 1,308,000 | 1,910,000 | 2,528,000 |
| Noninterest expense | 1,474,000 | 2,926,000 | 4,373,000 | 5,976,000 |
| Provision for loan losses | 15,000 | 75,000 | 125,000 | 150,000 |
| Pretax income | 1,073,000 | 2,207,000 | 3,321,000 | 4,384,000 |
| Income tax | 360,000 | 739,000 | 1,111,000 | 1,357,000 |
| Net income | 713,000 | 1,468,000 | 2,210,000 | 3,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,908,000 | 20,663,000 | 21,405,000 | 22,223,000 |
| Total capital | 21,305,000 | 22,069,000 | 22,867,000 | 23,657,000 |
| Risk-weighted assets | 111,187,000 | 111,925,000 | 116,426,000 | 114,190,000 |