Call reports 2018
CITIZENS NATIONAL BANK OF TEXAS — 2018
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 974,110,000 | 998,921,000 | 1,098,530,000 | 1,117,758,000 |
| Total loans | 818,288,000 | 857,058,000 | 902,929,000 | 909,030,000 |
| Allowance for loan losses | 7,590,000 | 7,997,000 | 8,269,000 | 7,682,000 |
| Securities available for sale | 2,835,000 | 2,629,000 | 2,421,000 | 2,289,000 |
| Securities held to maturity | 13,056,000 | 12,052,000 | 11,127,000 | 10,753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 880,324,000 | 901,895,000 | 983,384,000 | 998,983,000 |
| Interest-bearing deposits | 610,943,000 | 628,159,000 | 677,848,000 | 696,870,000 |
| Noninterest-bearing deposits | 269,381,000 | 273,736,000 | 305,536,000 | 302,114,000 |
| Equity capital | 91,877,000 | 94,287,000 | 112,012,000 | 114,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 11,031,000 | 22,618,000 | 35,034,000 | 48,139,000 |
| Interest expense | 416,000 | 863,000 | 1,345,000 | 1,852,000 |
| Net interest income | 10,615,000 | 21,755,000 | 33,689,000 | 46,287,000 |
| Noninterest income | 2,829,000 | 6,351,000 | 9,583,000 | 12,497,000 |
| Noninterest expense | 8,408,000 | 17,267,000 | 26,301,000 | 35,783,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 4,736,000 | 10,239,000 | 16,071,000 | 21,801,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,736,000 | 10,239,000 | 16,071,000 | 21,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,140,000 | 90,553,000 | 108,295,000 | 110,935,000 |
| Total capital | 95,853,000 | 98,689,000 | 116,703,000 | 118,756,000 |
| Risk-weighted assets | 862,393,000 | 883,610,000 | 928,205,000 | 935,265,000 |