Call reports 2014
LLANO NATIONAL BANK — 2014
What LLANO NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 138,923,000 | 141,915,000 | 145,902,000 | 146,246,000 |
| Total loans | 86,547,000 | 86,871,000 | 89,440,000 | 88,818,000 |
| Allowance for loan losses | 2,789,000 | 2,517,000 | 2,643,000 | 2,721,000 |
| Securities available for sale | 42,039,000 | 44,080,000 | 44,522,000 | 49,248,000 |
| Securities held to maturity | 165,000 | 165,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,798,000 | 124,671,000 | 128,104,000 | 128,491,000 |
| Interest-bearing deposits | 88,645,000 | 87,351,000 | 91,341,000 | 90,347,000 |
| Noninterest-bearing deposits | 33,153,000 | 37,320,000 | 36,763,000 | 38,144,000 |
| Equity capital | 15,946,000 | 16,151,000 | 16,568,000 | 16,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,521,000 | 3,056,000 | 4,674,000 | 6,259,000 |
| Interest expense | 73,000 | 146,000 | 218,000 | 291,000 |
| Net interest income | 1,448,000 | 2,910,000 | 4,456,000 | 5,968,000 |
| Noninterest income | 142,000 | 295,000 | 456,000 | 606,000 |
| Noninterest expense | 1,012,000 | 2,033,000 | 3,019,000 | 3,948,000 |
| Provision for loan losses | 120,000 | 240,000 | 376,000 | 500,000 |
| Pretax income | 458,000 | 932,000 | 1,517,000 | 2,126,000 |
| Income tax | 132,000 | 267,000 | 448,000 | 500,000 |
| Net income | 326,000 | 665,000 | 1,069,000 | 1,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,204,000 | 15,543,000 | 15,927,000 | 16,267,000 |
| Total capital | 16,298,000 | 16,654,000 | 17,065,000 | 17,499,000 |
| Risk-weighted assets | 85,810,000 | 87,481,000 | 89,545,000 | 97,101,000 |