Call reports 2006
COMMUNITY NATIONAL BANK & TRUST OF TEXAS — 2006
What COMMUNITY NATIONAL BANK & TRUST OF TEXAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 180,191,000 | 175,206,000 | 185,032,000 | 193,501,000 |
| Total loans | 103,187,000 | 107,427,000 | 111,119,000 | 111,303,000 |
| Allowance for loan losses | 1,984,000 | 2,012,000 | 2,056,000 | 1,973,000 |
| Securities available for sale | 45,917,000 | 43,978,000 | 46,383,000 | 48,425,000 |
| Securities held to maturity | 10,000 | 8,000 | 6,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,070,000 | 142,039,000 | 150,099,000 | 157,901,000 |
| Interest-bearing deposits | 93,188,000 | 90,788,000 | 96,268,000 | 98,015,000 |
| Noninterest-bearing deposits | 53,882,000 | 51,251,000 | 53,831,000 | 59,886,000 |
| Equity capital | 22,860,000 | 23,418,000 | 24,549,000 | 25,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,653,000 | 5,374,000 | 8,234,000 | 11,197,000 |
| Interest expense | 560,000 | 1,166,000 | 1,852,000 | 2,638,000 |
| Net interest income | 2,093,000 | 4,208,000 | 6,382,000 | 8,559,000 |
| Noninterest income | 754,000 | 1,496,000 | 2,210,000 | 2,953,000 |
| Noninterest expense | 1,640,000 | 3,331,000 | 5,021,000 | 6,686,000 |
| Provision for loan losses | 36,000 | 36,000 | 73,000 | 73,000 |
| Pretax income | 1,171,000 | 2,337,000 | 3,498,000 | 4,753,000 |
| Income tax | 384,000 | 765,000 | 1,145,000 | 1,558,000 |
| Net income | 787,000 | 1,572,000 | 2,353,000 | 3,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,275,000 | 24,061,000 | 24,842,000 | 25,683,000 |
| Total capital | 24,807,000 | 25,635,000 | 26,482,000 | 27,367,000 |
| Risk-weighted assets | 122,086,000 | 125,480,000 | 130,761,000 | 134,363,000 |