Call reports 2014
CITIZENS NATIONAL BANK OF TEXAS — 2014
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 628,821,000 | 628,420,000 | 644,603,000 | 645,773,000 |
| Total loans | 457,736,000 | 473,858,000 | 472,911,000 | 512,718,000 |
| Allowance for loan losses | 4,539,000 | 4,769,000 | 5,074,000 | 4,218,000 |
| Securities available for sale | 9,268,000 | 8,991,000 | 8,394,000 | 8,123,000 |
| Securities held to maturity | 17,355,000 | 17,217,000 | 17,050,000 | 16,902,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 553,449,000 | 550,578,000 | 565,189,000 | 566,807,000 |
| Interest-bearing deposits | 431,968,000 | 427,003,000 | 437,991,000 | 439,314,000 |
| Noninterest-bearing deposits | 121,481,000 | 123,575,000 | 127,198,000 | 127,494,000 |
| Equity capital | 71,836,000 | 73,977,000 | 75,350,000 | 74,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,648,000 | 13,263,000 | 20,074,000 | 27,108,000 |
| Interest expense | 352,000 | 649,000 | 952,000 | 1,263,000 |
| Net interest income | 6,296,000 | 12,614,000 | 19,122,000 | 25,845,000 |
| Noninterest income | 2,154,000 | 5,444,000 | 8,111,000 | 10,157,000 |
| Noninterest expense | 5,688,000 | 11,433,000 | 17,393,000 | 23,324,000 |
| Provision for loan losses | 200,000 | 500,000 | 800,000 | 1,100,000 |
| Pretax income | 2,562,000 | 6,125,000 | 9,040,000 | 11,577,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,562,000 | 6,125,000 | 9,040,000 | 11,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,123,000 | 70,185,000 | 71,601,000 | 70,637,000 |
| Total capital | 72,752,000 | 75,026,000 | 76,752,000 | 74,954,000 |
| Risk-weighted assets | 471,995,000 | 494,287,000 | 491,147,000 | 536,470,000 |
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