Call reports 2003
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2003
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 255,132,000 | 252,845,000 | 253,816,000 | 260,270,000 |
| Total loans | 197,341,000 | 199,543,000 | 207,387,000 | 213,575,000 |
| Allowance for loan losses | 2,148,000 | 2,198,000 | 2,246,000 | 2,214,000 |
| Securities available for sale | 18,582,000 | 17,680,000 | 17,836,000 | 16,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,144,000 | 229,453,000 | 227,947,000 | 233,181,000 |
| Interest-bearing deposits | 173,034,000 | 168,292,000 | 168,125,000 | 175,385,000 |
| Noninterest-bearing deposits | 60,110,000 | 61,161,000 | 59,822,000 | 57,796,000 |
| Equity capital | 17,034,000 | 17,606,000 | 17,998,000 | 18,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,144,000 | 6,264,000 | 9,349,000 | 12,519,000 |
| Interest expense | 843,000 | 1,599,000 | 2,208,000 | 2,779,000 |
| Net interest income | 2,301,000 | 4,665,000 | 7,141,000 | 9,740,000 |
| Noninterest income | 640,000 | 1,264,000 | 1,887,000 | 2,418,000 |
| Noninterest expense | 1,682,000 | 3,471,000 | 5,302,000 | 7,253,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 225,000 |
| Pretax income | 1,195,000 | 2,319,000 | 3,512,000 | 4,691,000 |
| Income tax | 406,000 | 789,000 | 1,194,000 | 1,573,000 |
| Net income | 789,000 | 1,530,000 | 2,318,000 | 3,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,741,000 | 16,242,000 | 16,790,000 | 17,515,000 |
| Total capital | 17,889,000 | 18,440,000 | 19,036,000 | 19,729,000 |
| Risk-weighted assets | 200,583,000 | 202,975,000 | 208,416,000 | 211,825,000 |
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