Call reports 2016
KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE — 2016
What KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 373,313,000 | 365,461,000 | 357,441,000 | 356,062,000 |
| Total loans | 100,188,000 | 100,140,000 | 95,456,000 | 95,427,000 |
| Allowance for loan losses | 1,444,000 | 2,070,000 | 2,088,000 | 2,066,000 |
| Securities available for sale | 228,986,000 | 221,557,000 | 213,692,000 | 203,963,000 |
| Securities held to maturity | 8,742,000 | 9,113,000 | 9,901,000 | 10,274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,677,000 | 327,706,000 | 318,784,000 | 321,795,000 |
| Interest-bearing deposits | 217,579,000 | 217,177,000 | 209,952,000 | 188,949,000 |
| Noninterest-bearing deposits | 119,098,000 | 110,529,000 | 108,832,000 | 132,846,000 |
| Equity capital | 34,498,000 | 35,588,000 | 36,324,000 | 32,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,660,000 | 5,224,000 | 7,712,000 | 10,206,000 |
| Interest expense | 83,000 | 157,000 | 226,000 | 295,000 |
| Net interest income | 2,577,000 | 5,067,000 | 7,486,000 | 9,911,000 |
| Noninterest income | 160,000 | 307,000 | 436,000 | 587,000 |
| Noninterest expense | 1,242,000 | 2,446,000 | 3,721,000 | 5,193,000 |
| Provision for loan losses | 200,000 | 888,000 | 1,383,000 | 1,383,000 |
| Pretax income | 1,383,000 | 2,274,000 | 3,254,000 | 4,440,000 |
| Income tax | 298,000 | 493,000 | 980,000 | 950,000 |
| Net income | 1,085,000 | 1,781,000 | 2,274,000 | 3,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,917,000 | 34,521,000 | 35,015,000 | 36,049,000 |
| Total capital | 35,382,000 | 36,505,000 | 36,972,000 | 38,094,000 |
| Risk-weighted assets | 179,039,000 | 158,632,000 | 156,435,000 | 163,525,000 |