Call reports 2012
CITIZENS NATIONAL BANK OF TEXAS — 2012
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 591,789,000 | 594,804,000 | 608,775,000 | 601,824,000 |
| Total loans | 430,987,000 | 420,326,000 | 407,978,000 | 394,481,000 |
| Allowance for loan losses | 6,083,000 | 6,532,000 | 6,785,000 | 4,618,000 |
| Securities available for sale | 9,906,000 | 11,069,000 | 13,552,000 | 12,797,000 |
| Securities held to maturity | 8,850,000 | 11,024,000 | 12,130,000 | 16,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,246,000 | 509,842,000 | 522,104,000 | 516,145,000 |
| Interest-bearing deposits | 367,648,000 | 372,721,000 | 377,668,000 | 373,717,000 |
| Noninterest-bearing deposits | 141,597,000 | 137,121,000 | 144,436,000 | 142,429,000 |
| Equity capital | 63,839,000 | 65,365,000 | 67,098,000 | 65,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,838,000 | 13,220,000 | 20,105,000 | 26,433,000 |
| Interest expense | 749,000 | 1,418,000 | 2,018,000 | 2,526,000 |
| Net interest income | 6,089,000 | 11,802,000 | 18,087,000 | 23,907,000 |
| Noninterest income | 2,145,000 | 4,672,000 | 6,870,000 | 9,095,000 |
| Noninterest expense | 5,193,000 | 10,482,000 | 15,849,000 | 21,368,000 |
| Provision for loan losses | 311,000 | 766,000 | 1,226,000 | 0 |
| Pretax income | 2,730,000 | 5,226,000 | 7,882,000 | 11,634,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,730,000 | 5,226,000 | 7,882,000 | 11,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,936,000 | 61,432,000 | 63,088,000 | 61,840,000 |
| Total capital | 65,414,000 | 66,797,000 | 68,273,000 | 66,505,000 |
| Risk-weighted assets | 437,611,000 | 427,972,000 | 413,132,000 | 402,673,000 |
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