Call reports 2008
CITIZENS NATIONAL BANK OF TEXAS — 2008
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 456,134,000 | 465,156,000 | 476,727,000 | 478,127,000 |
| Total loans | 379,634,000 | 397,642,000 | 411,925,000 | 423,618,000 |
| Allowance for loan losses | 3,878,000 | 4,034,000 | 5,767,000 | 5,604,000 |
| Securities available for sale | 16,926,000 | 16,464,000 | 10,017,000 | 9,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,505,000 | 412,487,000 | 426,148,000 | 402,997,000 |
| Interest-bearing deposits | 305,470,000 | 307,978,000 | 317,675,000 | 295,172,000 |
| Noninterest-bearing deposits | 98,035,000 | 104,509,000 | 108,473,000 | 107,826,000 |
| Equity capital | 48,411,000 | 48,916,000 | 47,253,000 | 45,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,243,000 | 16,140,000 | 23,646,000 | 31,007,000 |
| Interest expense | 2,028,000 | 3,805,000 | 5,513,000 | 7,064,000 |
| Net interest income | 6,215,000 | 12,335,000 | 18,133,000 | 23,943,000 |
| Noninterest income | 3,105,000 | 5,229,000 | 7,763,000 | 10,029,000 |
| Noninterest expense | 6,011,000 | 11,457,000 | 17,469,000 | 22,928,000 |
| Provision for loan losses | 144,000 | 289,000 | 2,530,000 | 4,833,000 |
| Pretax income | 3,165,000 | 5,818,000 | 5,897,000 | 6,203,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,165,000 | 5,818,000 | 5,897,000 | 6,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,119,000 | 44,871,000 | 43,051,000 | 41,458,000 |
| Total capital | 48,112,000 | 49,022,000 | 48,052,000 | 46,565,000 |
| Risk-weighted assets | 370,723,000 | 387,544,000 | 399,158,000 | 408,140,000 |
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