Call reports 2007
CITIZENS NATIONAL BANK OF TEXAS — 2007
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 438,245,000 | 451,398,000 | 463,401,000 | 450,091,000 |
| Total loans | 351,740,000 | 362,779,000 | 365,233,000 | 372,447,000 |
| Allowance for loan losses | 3,307,000 | 3,497,000 | 3,643,000 | 3,626,000 |
| Securities available for sale | 31,146,000 | 30,943,000 | 29,174,000 | 28,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,678,000 | 401,682,000 | 411,914,000 | 398,099,000 |
| Interest-bearing deposits | 289,480,000 | 299,913,000 | 308,521,000 | 299,234,000 |
| Noninterest-bearing deposits | 101,199,000 | 101,769,000 | 103,393,000 | 98,866,000 |
| Equity capital | 43,783,000 | 45,384,000 | 46,656,000 | 47,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,874,000 | 16,292,000 | 24,721,000 | 32,923,000 |
| Interest expense | 2,042,000 | 4,176,000 | 6,475,000 | 8,792,000 |
| Net interest income | 5,832,000 | 12,116,000 | 18,246,000 | 24,131,000 |
| Noninterest income | 2,445,000 | 5,323,000 | 7,787,000 | 10,375,000 |
| Noninterest expense | 5,334,000 | 10,825,000 | 16,419,000 | 22,545,000 |
| Provision for loan losses | 143,000 | 289,000 | 434,000 | 579,000 |
| Pretax income | 2,800,000 | 6,325,000 | 9,180,000 | 11,431,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,800,000 | 6,325,000 | 9,180,000 | 11,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,653,000 | 41,477,000 | 42,483,000 | 42,859,000 |
| Total capital | 43,041,000 | 45,086,000 | 46,238,000 | 46,568,000 |
| Risk-weighted assets | 346,357,000 | 354,936,000 | 357,254,000 | 362,216,000 |
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