Call reports 2020
CITIZENS NATIONAL BANK OF TEXAS — 2020
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,196,845,000 | 1,429,653,000 | 1,538,887,000 | 1,581,504,000 |
| Total loans | 985,738,000 | 1,154,488,000 | 1,189,352,000 | 1,140,572,000 |
| Allowance for loan losses | 8,848,000 | 9,847,000 | 10,883,000 | 10,014,000 |
| Securities available for sale | 1,606,000 | 1,472,000 | 1,314,000 | 1,158,000 |
| Securities held to maturity | 7,457,000 | 7,399,000 | 8,827,000 | 6,753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,058,639,000 | 1,287,573,000 | 1,393,683,000 | 1,434,828,000 |
| Interest-bearing deposits | 723,981,000 | 830,693,000 | 950,460,000 | 987,693,000 |
| Noninterest-bearing deposits | 334,659,000 | 456,880,000 | 443,223,000 | 447,135,000 |
| Equity capital | 131,135,000 | 133,231,000 | 136,862,000 | 140,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 14,526,000 | 29,597,000 | 46,161,000 | 62,973,000 |
| Interest expense | 1,278,000 | 2,568,000 | 3,963,000 | 5,215,000 |
| Net interest income | 13,248,000 | 27,029,000 | 42,198,000 | 57,758,000 |
| Noninterest income | 2,958,000 | 6,544,000 | 10,293,000 | 14,329,000 |
| Noninterest expense | 8,539,000 | 17,301,000 | 25,510,000 | 34,251,000 |
| Provision for loan losses | 300,000 | 1,200,000 | 2,100,000 | 3,000,000 |
| Pretax income | 7,367,000 | 15,072,000 | 24,881,000 | 34,836,000 |
| Income tax | 1,521,000 | 3,208,000 | 5,443,000 | 7,426,000 |
| Net income | 5,846,000 | 11,864,000 | 19,438,000 | 27,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,287,000 | 129,364,000 | 132,999,000 | 137,031,000 |
| Total capital | 136,271,000 | 139,377,000 | 144,045,000 | 147,210,000 |
| Risk-weighted assets | 1,007,913,000 | 1,047,874,000 | 1,076,898,000 | 1,077,727,000 |