Call reports 2019
CITIZENS NATIONAL BANK OF TEXAS — 2019
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,092,214,000 | 1,130,074,000 | 1,162,044,000 | 1,168,844,000 |
| Total loans | 941,519,000 | 947,958,000 | 956,008,000 | 966,584,000 |
| Allowance for loan losses | 8,126,000 | 8,705,000 | 9,038,000 | 8,467,000 |
| Securities available for sale | 2,168,000 | 2,030,000 | 1,878,000 | 1,735,000 |
| Securities held to maturity | 8,985,000 | 8,926,000 | 7,904,000 | 7,849,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 970,702,000 | 1,003,223,000 | 1,030,869,000 | 1,033,689,000 |
| Interest-bearing deposits | 670,112,000 | 672,293,000 | 686,923,000 | 704,225,000 |
| Noninterest-bearing deposits | 300,590,000 | 330,930,000 | 343,946,000 | 329,465,000 |
| Equity capital | 117,926,000 | 122,312,000 | 126,271,000 | 129,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 13,148,000 | 27,111,000 | 41,341,000 | 55,904,000 |
| Interest expense | 517,000 | 1,165,000 | 2,289,000 | 3,489,000 |
| Net interest income | 12,631,000 | 25,946,000 | 39,052,000 | 52,415,000 |
| Noninterest income | 2,873,000 | 5,885,000 | 9,004,000 | 12,742,000 |
| Noninterest expense | 8,908,000 | 17,260,000 | 25,916,000 | 35,545,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 6,296,000 | 13,971,000 | 21,240,000 | 28,412,000 |
| Income tax | 0 | 0 | 0 | 1,116,000 |
| Net income | 6,296,000 | 13,971,000 | 21,240,000 | 27,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,142,000 | 118,496,000 | 122,445,000 | 125,181,000 |
| Total capital | 122,411,000 | 127,342,000 | 131,599,000 | 133,776,000 |
| Risk-weighted assets | 969,156,000 | 966,338,000 | 983,636,000 | 988,166,000 |