Call reports 2005
COMMUNITY NATIONAL BANK & TRUST OF TEXAS — 2005
What COMMUNITY NATIONAL BANK & TRUST OF TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 173,822,000 | 181,467,000 | 178,679,000 | 183,652,000 |
| Total loans | 99,270,000 | 97,647,000 | 100,462,000 | 103,620,000 |
| Allowance for loan losses | 1,942,000 | 1,928,000 | 1,894,000 | 1,929,000 |
| Securities available for sale | 50,831,000 | 50,032,000 | 51,599,000 | 47,950,000 |
| Securities held to maturity | 23,000 | 19,000 | 15,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,768,000 | 147,809,000 | 144,261,000 | 149,580,000 |
| Interest-bearing deposits | 94,345,000 | 91,544,000 | 92,975,000 | 94,125,000 |
| Noninterest-bearing deposits | 46,423,000 | 56,265,000 | 51,286,000 | 55,455,000 |
| Equity capital | 22,231,000 | 23,132,000 | 23,793,000 | 24,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,445,000 | 4,868,000 | 7,397,000 | 10,025,000 |
| Interest expense | 438,000 | 917,000 | 1,408,000 | 1,914,000 |
| Net interest income | 2,007,000 | 3,951,000 | 5,989,000 | 8,111,000 |
| Noninterest income | 645,000 | 1,259,000 | 1,873,000 | 2,489,000 |
| Noninterest expense | 1,472,000 | 2,943,000 | 4,442,000 | 5,970,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 1,173,000 | 2,260,000 | 3,413,000 | 4,603,000 |
| Income tax | 399,000 | 766,000 | 1,086,000 | 1,476,000 |
| Net income | 774,000 | 1,494,000 | 2,327,000 | 3,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,238,000 | 22,898,000 | 23,731,000 | 24,530,000 |
| Total capital | 23,692,000 | 24,355,000 | 25,200,000 | 26,059,000 |
| Risk-weighted assets | 115,832,000 | 116,060,000 | 117,109,000 | 121,940,000 |