Call reports 2015
KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE — 2015
What KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 379,759,000 | 364,559,000 | 373,604,000 | 378,276,000 |
| Total loans | 96,513,000 | 96,794,000 | 100,960,000 | 100,981,000 |
| Allowance for loan losses | 1,276,000 | 1,272,000 | 1,268,000 | 1,294,000 |
| Securities available for sale | 220,949,000 | 225,832,000 | 235,568,000 | 236,132,000 |
| Securities held to maturity | 1,737,000 | 4,188,000 | 5,317,000 | 5,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,294,000 | 338,156,000 | 344,922,000 | 344,800,000 |
| Interest-bearing deposits | 222,127,000 | 215,844,000 | 219,947,000 | 220,749,000 |
| Noninterest-bearing deposits | 131,167,000 | 122,312,000 | 124,975,000 | 124,051,000 |
| Equity capital | 25,194,000 | 25,222,000 | 27,437,000 | 31,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,515,000 | 5,091,000 | 7,712,000 | 10,410,000 |
| Interest expense | 94,000 | 189,000 | 280,000 | 366,000 |
| Net interest income | 2,421,000 | 4,902,000 | 7,432,000 | 10,044,000 |
| Noninterest income | 169,000 | 337,000 | 501,000 | 677,000 |
| Noninterest expense | 1,186,000 | 2,381,000 | 3,573,000 | 5,002,000 |
| Provision for loan losses | 11,000 | 11,000 | 28,000 | 89,000 |
| Pretax income | 1,393,000 | 2,847,000 | 4,332,000 | 5,630,000 |
| Income tax | 339,000 | 693,000 | 1,073,000 | 1,422,000 |
| Net income | 1,054,000 | 2,154,000 | 3,259,000 | 4,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,006,000 | 26,006,000 | 27,112,000 | 32,829,000 |
| Total capital | 26,313,000 | 27,309,000 | 28,401,000 | 34,144,000 |
| Risk-weighted assets | 150,317,000 | 149,110,000 | 153,302,000 | 168,268,000 |