Call reports 2007
COMMUNITY NATIONAL BANK & TRUST OF TEXAS — 2007
What COMMUNITY NATIONAL BANK & TRUST OF TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 194,386,000 | 187,707,000 | 191,362,000 | 193,474,000 |
| Total loans | 116,041,000 | 115,624,000 | 122,443,000 | 125,426,000 |
| Allowance for loan losses | 1,972,000 | 1,964,000 | 1,964,000 | 1,961,000 |
| Securities available for sale | 50,097,000 | 50,889,000 | 48,395,000 | 47,608,000 |
| Securities held to maturity | 3,000 | 1,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,738,000 | 151,463,000 | 152,411,000 | 152,591,000 |
| Interest-bearing deposits | 103,539,000 | 101,014,000 | 99,474,000 | 97,139,000 |
| Noninterest-bearing deposits | 56,199,000 | 50,449,000 | 52,937,000 | 55,452,000 |
| Equity capital | 24,319,000 | 24,892,000 | 26,260,000 | 27,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,014,000 | 6,044,000 | 9,166,000 | 12,315,000 |
| Interest expense | 825,000 | 1,701,000 | 2,546,000 | 3,362,000 |
| Net interest income | 2,189,000 | 4,343,000 | 6,620,000 | 8,953,000 |
| Noninterest income | 712,000 | 1,471,000 | 2,219,000 | 2,839,000 |
| Noninterest expense | 1,676,000 | 3,313,000 | 4,940,000 | 6,577,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,229,000 | 2,505,000 | 3,903,000 | 5,219,000 |
| Income tax | 396,000 | 810,000 | 1,268,000 | 1,680,000 |
| Net income | 833,000 | 1,695,000 | 2,635,000 | 3,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,478,000 | 25,340,000 | 26,280,000 | 27,183,000 |
| Total capital | 26,215,000 | 27,104,000 | 28,102,000 | 29,085,000 |
| Risk-weighted assets | 138,633,000 | 140,808,000 | 145,552,000 | 152,024,000 |