Call reports 2016
CITIZENS NATIONAL BANK OF TEXAS — 2016
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 765,144,000 | 780,049,000 | 834,406,000 | 835,347,000 |
| Total loans | 598,001,000 | 609,588,000 | 652,238,000 | 651,220,000 |
| Allowance for loan losses | 5,758,000 | 5,904,000 | 6,424,000 | 6,684,000 |
| Securities available for sale | 6,038,000 | 5,743,000 | 5,400,000 | 4,945,000 |
| Securities held to maturity | 18,244,000 | 17,455,000 | 18,679,000 | 18,527,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 680,835,000 | 694,438,000 | 747,441,000 | 746,404,000 |
| Interest-bearing deposits | 506,655,000 | 506,337,000 | 534,162,000 | 543,874,000 |
| Noninterest-bearing deposits | 174,180,000 | 188,101,000 | 213,279,000 | 202,530,000 |
| Equity capital | 79,821,000 | 80,796,000 | 82,059,000 | 84,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,548,000 | 17,064,000 | 25,499,000 | 34,558,000 |
| Interest expense | 338,000 | 682,000 | 1,046,000 | 1,420,000 |
| Net interest income | 8,210,000 | 16,382,000 | 24,453,000 | 33,138,000 |
| Noninterest income | 2,127,000 | 4,692,000 | 8,139,000 | 12,782,000 |
| Noninterest expense | 6,433,000 | 13,363,000 | 20,563,000 | 28,189,000 |
| Provision for loan losses | 250,000 | 553,000 | 1,048,000 | 1,354,000 |
| Pretax income | 3,654,000 | 7,158,000 | 10,980,000 | 16,376,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,654,000 | 7,158,000 | 10,980,000 | 16,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,961,000 | 76,905,000 | 78,168,000 | 81,003,000 |
| Total capital | 81,834,000 | 82,940,000 | 84,731,000 | 87,817,000 |
| Risk-weighted assets | 635,155,000 | 648,685,000 | 691,281,000 | 688,161,000 |