Call reports 2009
COMMUNITY NATIONAL BANK & TRUST OF TEXAS — 2009
What COMMUNITY NATIONAL BANK & TRUST OF TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 317,285,000 | 313,254,000 | 313,135,000 | 331,867,000 |
| Total loans | 187,161,000 | 193,547,000 | 197,001,000 | 193,618,000 |
| Allowance for loan losses | 2,941,000 | 3,003,000 | 2,977,000 | 3,064,000 |
| Securities available for sale | 81,821,000 | 81,478,000 | 78,487,000 | 82,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,793,000 | 261,734,000 | 258,924,000 | 277,401,000 |
| Interest-bearing deposits | 176,926,000 | 176,526,000 | 176,402,000 | 189,925,000 |
| Noninterest-bearing deposits | 89,867,000 | 85,208,000 | 82,522,000 | 87,476,000 |
| Equity capital | 42,541,000 | 43,376,000 | 45,998,000 | 47,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,282,000 | 8,557,000 | 12,858,000 | 17,125,000 |
| Interest expense | 782,000 | 1,481,000 | 2,118,000 | 2,679,000 |
| Net interest income | 3,500,000 | 7,076,000 | 10,740,000 | 14,446,000 |
| Noninterest income | 845,000 | 1,731,000 | 2,780,000 | 3,710,000 |
| Noninterest expense | 2,481,000 | 5,098,000 | 7,714,000 | 10,332,000 |
| Provision for loan losses | 40,000 | 100,000 | 200,000 | 350,000 |
| Pretax income | 1,824,000 | 3,609,000 | 5,637,000 | 7,520,000 |
| Income tax | 523,000 | 1,015,000 | 1,532,000 | 2,048,000 |
| Net income | 1,301,000 | 2,594,000 | 4,105,000 | 5,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,065,000 | 42,358,000 | 43,819,000 | 45,187,000 |
| Total capital | 43,498,000 | 44,923,000 | 46,390,000 | 47,827,000 |
| Risk-weighted assets | 203,338,000 | 209,843,000 | 212,377,000 | 215,383,000 |