Call reports 2008
COMMUNITY NATIONAL BANK & TRUST OF TEXAS — 2008
What COMMUNITY NATIONAL BANK & TRUST OF TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 189,464,000 | 305,517,000 | 305,369,000 | 318,483,000 |
| Total loans | 121,192,000 | 192,578,000 | 194,038,000 | 188,452,000 |
| Allowance for loan losses | 1,959,000 | 2,977,000 | 2,988,000 | 2,897,000 |
| Securities available for sale | 47,592,000 | 79,515,000 | 72,631,000 | 80,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,206,000 | 250,647,000 | 255,757,000 | 266,992,000 |
| Interest-bearing deposits | 98,706,000 | 172,094,000 | 174,892,000 | 178,883,000 |
| Noninterest-bearing deposits | 56,500,000 | 78,553,000 | 80,865,000 | 88,109,000 |
| Equity capital | 26,682,000 | 40,241,000 | 41,598,000 | 43,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,963,000 | 9,073,000 | 13,670,000 | 18,074,000 |
| Interest expense | 783,000 | 2,458,000 | 3,545,000 | 4,509,000 |
| Net interest income | 2,180,000 | 6,615,000 | 10,125,000 | 13,565,000 |
| Noninterest income | 724,000 | 1,936,000 | 2,840,000 | 3,727,000 |
| Noninterest expense | 1,607,000 | 4,896,000 | 7,430,000 | 10,065,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,297,000 | 3,660,000 | 5,550,000 | 7,242,000 |
| Income tax | 393,000 | 1,073,000 | 1,633,000 | 2,125,000 |
| Net income | 904,000 | 2,587,000 | 3,917,000 | 5,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,046,000 | 39,957,000 | 41,287,000 | 42,486,000 |
| Total capital | 27,915,000 | 42,616,000 | 43,789,000 | 44,921,000 |
| Risk-weighted assets | 149,329,000 | 223,199,000 | 210,077,000 | 204,949,000 |