Call reports 2013
CITIZENS NATIONAL BANK OF TEXAS — 2013
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 604,891,000 | 618,149,000 | 628,732,000 | 619,709,000 |
| Total loans | 398,964,000 | 410,697,000 | 425,062,000 | 450,944,000 |
| Allowance for loan losses | 4,109,000 | 4,203,000 | 5,146,000 | 4,101,000 |
| Securities available for sale | 11,933,000 | 11,246,000 | 10,377,000 | 10,035,000 |
| Securities held to maturity | 16,449,000 | 17,200,000 | 16,995,000 | 17,898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 519,022,000 | 531,772,000 | 540,746,000 | 530,928,000 |
| Interest-bearing deposits | 420,841,000 | 424,192,000 | 429,822,000 | 424,873,000 |
| Noninterest-bearing deposits | 98,181,000 | 107,580,000 | 110,925,000 | 106,055,000 |
| Equity capital | 67,691,000 | 68,770,000 | 69,790,000 | 70,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,171,000 | 12,441,000 | 18,763,000 | 24,915,000 |
| Interest expense | 443,000 | 869,000 | 1,280,000 | 1,696,000 |
| Net interest income | 5,728,000 | 11,572,000 | 17,483,000 | 23,219,000 |
| Noninterest income | 2,023,000 | 4,505,000 | 6,958,000 | 9,432,000 |
| Noninterest expense | 5,675,000 | 11,479,000 | 17,162,000 | 22,880,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,926,000 | 4,298,000 | 6,829,000 | 9,170,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,926,000 | 4,298,000 | 6,829,000 | 9,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,766,000 | 64,889,000 | 66,169,000 | 67,060,000 |
| Total capital | 67,939,000 | 69,172,000 | 71,391,000 | 71,236,000 |
| Risk-weighted assets | 405,167,000 | 415,875,000 | 430,830,000 | 470,118,000 |
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