Call reports 2024
CITIZENS NATIONAL BANK OF TEXAS — 2024
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,793,935,000 | 1,907,395,000 | 1,933,910,000 | 1,928,609,000 |
| Total loans | 1,470,683,000 | 1,505,144,000 | 1,568,067,000 | 1,623,926,000 |
| Allowance for loan losses | 15,752,000 | 15,784,000 | 15,619,000 | 16,468,000 |
| Securities available for sale | 381,000 | 369,000 | 356,000 | 329,000 |
| Securities held to maturity | 21,302,000 | 21,284,000 | 19,766,000 | 19,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,569,227,000 | 1,675,600,000 | 1,696,185,000 | 1,682,208,000 |
| Interest-bearing deposits | 1,100,418,000 | 1,203,224,000 | 1,236,524,000 | 1,262,260,000 |
| Noninterest-bearing deposits | 468,809,000 | 472,376,000 | 459,661,000 | 419,948,000 |
| Equity capital | 210,350,000 | 213,131,000 | 214,799,000 | 221,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 23,767,000 | 50,853,000 | 80,512,000 | 110,644,000 |
| Interest expense | 5,762,000 | 13,969,000 | 23,249,000 | 31,865,000 |
| Net interest income | 18,005,000 | 36,884,000 | 57,263,000 | 78,779,000 |
| Noninterest income | 3,001,000 | 6,399,000 | 9,677,000 | 13,743,000 |
| Noninterest expense | 12,660,000 | 24,806,000 | 37,616,000 | 50,479,000 |
| Provision for loan losses | 300,000 | 319,000 | 1,331,000 | 2,278,000 |
| Pretax income | 8,079,000 | 17,729,000 | 27,024,000 | 39,089,000 |
| Income tax | 1,680,000 | 4,621,000 | 8,320,000 | 9,679,000 |
| Net income | 6,399,000 | 13,108,000 | 18,704,000 | 29,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 207,679,000 | 210,450,000 | 212,105,000 | 218,871,000 |
| Total capital | 223,761,000 | 227,026,000 | 229,055,000 | 236,378,000 |
| Risk-weighted assets | 1,489,906,000 | 1,520,145,000 | 1,582,156,000 | 1,613,557,000 |