Call reports 2004
COMMUNITY NATIONAL BANK & TRUST OF TEXAS — 2004
What COMMUNITY NATIONAL BANK & TRUST OF TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 168,993,000 | 167,984,000 | 174,246,000 | 177,758,000 |
| Total loans | 94,870,000 | 96,453,000 | 98,195,000 | 99,247,000 |
| Allowance for loan losses | 1,953,000 | 1,943,000 | 1,959,000 | 1,941,000 |
| Securities available for sale | 51,458,000 | 50,886,000 | 50,517,000 | 56,339,000 |
| Securities held to maturity | 45,000 | 36,000 | 29,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,355,000 | 135,212,000 | 140,050,000 | 143,118,000 |
| Interest-bearing deposits | 91,850,000 | 89,408,000 | 90,702,000 | 91,421,000 |
| Noninterest-bearing deposits | 43,505,000 | 45,804,000 | 49,348,000 | 51,697,000 |
| Equity capital | 22,655,000 | 22,194,000 | 23,463,000 | 23,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,387,000 | 4,717,000 | 7,123,000 | 9,567,000 |
| Interest expense | 444,000 | 846,000 | 1,247,000 | 1,663,000 |
| Net interest income | 1,943,000 | 3,871,000 | 5,876,000 | 7,904,000 |
| Noninterest income | 602,000 | 1,232,000 | 1,864,000 | 2,580,000 |
| Noninterest expense | 1,460,000 | 2,981,000 | 4,468,000 | 6,148,000 |
| Provision for loan losses | 0 | 0 | 38,000 | 73,000 |
| Pretax income | 1,087,000 | 2,127,000 | 3,239,000 | 4,270,000 |
| Income tax | 339,000 | 668,000 | 1,046,000 | 1,400,000 |
| Net income | 748,000 | 1,459,000 | 2,193,000 | 2,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,156,000 | 21,868,000 | 22,601,000 | 23,278,000 |
| Total capital | 22,558,000 | 23,283,000 | 24,038,000 | 24,737,000 |
| Risk-weighted assets | 111,598,000 | 112,646,000 | 114,433,000 | 116,222,000 |