Call reports 2015
CITIZENS NATIONAL BANK OF TEXAS — 2015
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 661,299,000 | 666,863,000 | 706,660,000 | 727,329,000 |
| Total loans | 530,208,000 | 536,406,000 | 557,180,000 | 589,715,000 |
| Allowance for loan losses | 4,704,000 | 5,741,000 | 5,862,000 | 5,390,000 |
| Securities available for sale | 7,799,000 | 7,348,000 | 6,992,000 | 6,644,000 |
| Securities held to maturity | 15,777,000 | 15,107,000 | 14,701,000 | 16,058,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 583,375,000 | 588,936,000 | 624,316,000 | 643,277,000 |
| Interest-bearing deposits | 454,613,000 | 450,725,000 | 473,628,000 | 489,420,000 |
| Noninterest-bearing deposits | 128,762,000 | 138,211,000 | 150,688,000 | 153,857,000 |
| Equity capital | 73,759,000 | 74,215,000 | 78,016,000 | 80,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,128,000 | 14,555,000 | 22,074,000 | 30,617,000 |
| Interest expense | 303,000 | 615,000 | 934,000 | 1,270,000 |
| Net interest income | 6,825,000 | 13,940,000 | 21,140,000 | 29,347,000 |
| Noninterest income | 1,984,000 | 4,624,000 | 7,630,000 | 10,289,000 |
| Noninterest expense | 6,300,000 | 13,115,000 | 19,644,000 | 25,866,000 |
| Provision for loan losses | 466,000 | 900,000 | 0 | 150,000 |
| Pretax income | 2,043,000 | 4,549,000 | 9,126,000 | 13,619,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,043,000 | 4,549,000 | 9,126,000 | 13,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,880,000 | 70,387,000 | 74,164,000 | 76,357,000 |
| Total capital | 74,664,000 | 76,206,000 | 80,113,000 | 81,843,000 |
| Risk-weighted assets | 568,732,000 | 567,952,000 | 586,908,000 | 620,565,000 |