Call reports 2020
KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE — 2020
What KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 416,745,000 | 416,865,000 | 394,360,000 | 407,867,000 |
| Total loans | 59,172,000 | 62,517,000 | 71,130,000 | 79,612,000 |
| Allowance for loan losses | 1,737,000 | 1,759,000 | 1,779,000 | 1,933,000 |
| Securities available for sale | 303,608,000 | 275,035,000 | 241,925,000 | 221,778,000 |
| Securities held to maturity | 16,241,000 | 15,406,000 | 15,092,000 | 19,871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,772,000 | 363,746,000 | 341,891,000 | 356,407,000 |
| Interest-bearing deposits | 237,264,000 | 234,178,000 | 217,428,000 | 222,951,000 |
| Noninterest-bearing deposits | 129,508,000 | 129,568,000 | 124,463,000 | 133,456,000 |
| Equity capital | 48,503,000 | 51,053,000 | 50,767,000 | 50,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,752,000 | 5,001,000 | 7,144,000 | 9,085,000 |
| Interest expense | 97,000 | 189,000 | 282,000 | 370,000 |
| Net interest income | 2,655,000 | 4,812,000 | 6,862,000 | 8,715,000 |
| Noninterest income | 125,000 | 234,000 | 361,000 | 493,000 |
| Noninterest expense | 1,660,000 | 3,507,000 | 5,343,000 | 7,147,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 1,164,000 | 1,744,000 | 2,158,000 | 2,588,000 |
| Income tax | 171,000 | 226,000 | 284,000 | 287,000 |
| Net income | 993,000 | 1,518,000 | 1,874,000 | 2,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,004,000 | 46,437,000 | 46,795,000 | 47,042,000 |
| Total capital | 47,599,000 | 48,053,000 | 48,452,000 | 49,016,000 |
| Risk-weighted assets | 127,454,000 | 129,130,000 | 132,376,000 | 194,165,000 |