Call reports 2023
KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE — 2023
What KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 501,218,000 | 463,897,000 | 488,754,000 | 510,853,000 |
| Total loans | 159,484,000 | 172,453,000 | 182,044,000 | 184,441,000 |
| Allowance for loan losses | 2,198,000 | 2,300,000 | 2,303,000 | 2,180,000 |
| Securities available for sale | 252,940,000 | 222,704,000 | 205,646,000 | 215,188,000 |
| Securities held to maturity | 15,036,000 | 15,085,000 | 13,952,000 | 8,944,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,570,000 | 413,693,000 | 425,843,000 | 440,048,000 |
| Interest-bearing deposits | 290,691,000 | 252,456,000 | 262,398,000 | 276,294,000 |
| Noninterest-bearing deposits | 172,879,000 | 161,237,000 | 163,445,000 | 163,754,000 |
| Equity capital | 35,750,000 | 33,442,000 | 30,729,000 | 39,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,502,000 | 8,894,000 | 13,641,000 | 18,753,000 |
| Interest expense | 234,000 | 716,000 | 1,889,000 | 3,417,000 |
| Net interest income | 4,268,000 | 8,178,000 | 11,752,000 | 15,336,000 |
| Noninterest income | 158,000 | 329,000 | 503,000 | 677,000 |
| Noninterest expense | 2,113,000 | 4,320,000 | 6,564,000 | 8,898,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,312,000 | 4,105,000 | 5,609,000 | 7,033,000 |
| Income tax | 418,000 | 748,000 | 1,008,000 | 1,228,000 |
| Net income | 1,894,000 | 3,357,000 | 4,601,000 | 5,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,888,000 | 56,231,000 | 57,475,000 | 58,320,000 |
| Total capital | 57,139,000 | 58,583,000 | 59,831,000 | 60,672,000 |
| Risk-weighted assets | 228,800,000 | 245,671,000 | 251,040,000 | 248,274,000 |
Machine access — free, no API key
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