Call reports 2010
CITIZENS NATIONAL BANK OF TEXAS — 2010
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 518,494,000 | 521,691,000 | 534,457,000 | 514,011,000 |
| Total loans | 469,553,000 | 475,688,000 | 479,446,000 | 470,487,000 |
| Allowance for loan losses | 6,362,000 | 6,775,000 | 7,409,000 | 8,711,000 |
| Securities available for sale | 1,431,000 | 1,414,000 | 662,000 | 647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,943,000 | 420,800,000 | 431,824,000 | 432,174,000 |
| Interest-bearing deposits | 307,246,000 | 307,842,000 | 317,678,000 | 313,066,000 |
| Noninterest-bearing deposits | 111,696,000 | 112,958,000 | 114,145,000 | 119,108,000 |
| Equity capital | 52,126,000 | 53,359,000 | 54,998,000 | 54,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,156,000 | 14,537,000 | 22,220,000 | 29,492,000 |
| Interest expense | 972,000 | 1,919,000 | 2,847,000 | 3,770,000 |
| Net interest income | 6,184,000 | 12,618,000 | 19,373,000 | 25,722,000 |
| Noninterest income | 2,005,000 | 4,068,000 | 6,412,000 | 8,599,000 |
| Noninterest expense | 5,374,000 | 11,178,000 | 16,936,000 | 22,821,000 |
| Provision for loan losses | 446,000 | 896,000 | 1,601,000 | 3,957,000 |
| Pretax income | 2,369,000 | 4,612,000 | 7,248,000 | 7,543,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,369,000 | 4,612,000 | 7,248,000 | 7,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,134,000 | 49,381,000 | 51,021,000 | 50,318,000 |
| Total capital | 54,031,000 | 55,322,000 | 56,996,000 | 56,161,000 |
| Risk-weighted assets | 471,250,000 | 474,402,000 | 476,538,000 | 465,142,000 |
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