Call reports 2023
CITIZENS NATIONAL BANK OF TEXAS — 2023
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,877,459,000 | 1,811,636,000 | 1,737,573,000 | 1,677,031,000 |
| Total loans | 1,323,965,000 | 1,353,189,000 | 1,359,269,000 | 1,422,076,000 |
| Allowance for loan losses | 15,601,000 | 15,916,000 | 15,093,000 | 15,418,000 |
| Securities available for sale | 484,000 | 453,000 | 418,000 | 408,000 |
| Securities held to maturity | 119,817,000 | 120,638,000 | 21,337,000 | 21,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,675,329,000 | 1,604,741,000 | 1,522,752,000 | 1,458,304,000 |
| Interest-bearing deposits | 1,147,177,000 | 1,087,962,000 | 1,001,241,000 | 949,952,000 |
| Noninterest-bearing deposits | 528,152,000 | 516,779,000 | 521,511,000 | 508,352,000 |
| Equity capital | 189,004,000 | 195,963,000 | 202,665,000 | 207,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 22,179,000 | 44,925,000 | 69,007,000 | 92,598,000 |
| Interest expense | 2,430,000 | 5,400,000 | 9,067,000 | 13,822,000 |
| Net interest income | 19,749,000 | 39,525,000 | 59,940,000 | 78,776,000 |
| Noninterest income | 3,396,000 | 7,063,000 | 10,821,000 | 14,848,000 |
| Noninterest expense | 10,554,000 | 18,961,000 | 30,407,000 | 42,531,000 |
| Provision for loan losses | 977,000 | 1,346,000 | 491,000 | 791,000 |
| Pretax income | 11,828,000 | 26,538,000 | 40,020,000 | 50,543,000 |
| Income tax | 1,674,000 | 5,485,000 | 8,318,000 | 9,686,000 |
| Net income | 10,154,000 | 21,053,000 | 31,702,000 | 40,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 186,910,000 | 193,868,000 | 200,578,000 | 205,792,000 |
| Total capital | 202,331,000 | 209,560,000 | 215,548,000 | 221,002,000 |
| Risk-weighted assets | 1,357,154,000 | 1,385,575,000 | 1,391,112,000 | 1,436,761,000 |