Call reports 2022
CITIZENS NATIONAL BANK OF TEXAS — 2022
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,949,636,000 | 1,941,436,000 | 1,955,275,000 | 1,907,275,000 |
| Total loans | 1,208,329,000 | 1,246,818,000 | 1,274,329,000 | 1,328,462,000 |
| Allowance for loan losses | 13,288,000 | 14,433,000 | 14,017,000 | 14,272,000 |
| Securities available for sale | 647,000 | 576,000 | 534,000 | 510,000 |
| Securities held to maturity | 14,485,000 | 18,452,000 | 118,178,000 | 119,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,772,922,000 | 1,764,250,000 | 1,772,445,000 | 1,711,785,000 |
| Interest-bearing deposits | 1,230,253,000 | 1,216,659,000 | 1,201,891,000 | 1,167,725,000 |
| Noninterest-bearing deposits | 542,669,000 | 547,591,000 | 570,554,000 | 544,060,000 |
| Equity capital | 165,083,000 | 167,048,000 | 173,033,000 | 185,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 14,814,000 | 30,998,000 | 50,173,000 | 72,036,000 |
| Interest expense | 821,000 | 1,641,000 | 3,047,000 | 4,777,000 |
| Net interest income | 13,993,000 | 29,357,000 | 47,126,000 | 67,259,000 |
| Noninterest income | 4,821,000 | 8,161,000 | 12,504,000 | 16,699,000 |
| Noninterest expense | 10,339,000 | 20,220,000 | 29,280,000 | 39,833,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 2,700,000 | 3,000,000 |
| Pretax income | 7,575,000 | 15,498,000 | 27,650,000 | 41,125,000 |
| Income tax | 1,961,000 | 3,952,000 | 6,173,000 | 7,611,000 |
| Net income | 5,614,000 | 11,546,000 | 21,477,000 | 33,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 161,247,000 | 163,240,000 | 169,230,000 | 181,267,000 |
| Total capital | 174,735,000 | 177,910,000 | 183,458,000 | 195,772,000 |
| Risk-weighted assets | 1,238,953,000 | 1,276,842,000 | 1,308,767,000 | 1,370,293,000 |