Call reports 2013
KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE — 2013
What KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 272,963,000 | 259,551,000 | 284,883,000 | 303,168,000 |
| Total loans | 66,029,000 | 70,100,000 | 73,610,000 | 79,091,000 |
| Allowance for loan losses | 927,000 | 986,000 | 1,029,000 | 1,110,000 |
| Securities available for sale | 178,140,000 | 164,390,000 | 173,466,000 | 184,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,947,000 | 242,218,000 | 267,737,000 | 285,839,000 |
| Interest-bearing deposits | 177,483,000 | 162,594,000 | 172,868,000 | 181,787,000 |
| Noninterest-bearing deposits | 74,465,000 | 79,624,000 | 94,869,000 | 104,052,000 |
| Equity capital | 19,346,000 | 16,446,000 | 16,173,000 | 16,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,752,000 | 5,827,000 | 8,019,000 |
| Interest expense | 118,000 | 238,000 | 357,000 | 463,000 |
| Net interest income | 1,677,000 | 3,514,000 | 5,470,000 | 7,556,000 |
| Noninterest income | 164,000 | 324,000 | 503,000 | 690,000 |
| Noninterest expense | 1,022,000 | 2,002,000 | 3,212,000 | 4,509,000 |
| Provision for loan losses | -371,000 | -292,000 | -244,000 | -153,000 |
| Pretax income | 1,296,000 | 2,371,000 | 3,248,000 | 4,133,000 |
| Income tax | 311,000 | 538,000 | 699,000 | 863,000 |
| Net income | 985,000 | 1,833,000 | 2,549,000 | 3,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,293,000 | 19,068,000 | 19,785,000 | 20,363,000 |
| Total capital | 19,220,000 | 20,054,000 | 20,814,000 | 21,473,000 |
| Risk-weighted assets | 104,479,000 | 107,097,000 | 118,790,000 | 126,019,000 |
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