Call reports 2004
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2004
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 258,739,000 | 264,654,000 | 265,351,000 | 276,592,000 |
| Total loans | 214,113,000 | 217,515,000 | 218,159,000 | 215,526,000 |
| Allowance for loan losses | 2,251,000 | 2,373,000 | 2,100,000 | 2,009,000 |
| Securities available for sale | 16,766,000 | 14,338,000 | 14,519,000 | 15,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,027,000 | 235,882,000 | 230,783,000 | 239,709,000 |
| Interest-bearing deposits | 179,510,000 | 176,588,000 | 170,719,000 | 176,910,000 |
| Noninterest-bearing deposits | 54,517,000 | 59,294,000 | 60,064,000 | 62,799,000 |
| Equity capital | 19,448,000 | 22,527,000 | 23,324,000 | 23,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,112,000 | 6,177,000 | 9,341,000 | 12,640,000 |
| Interest expense | 557,000 | 1,094,000 | 1,668,000 | 2,313,000 |
| Net interest income | 2,555,000 | 5,083,000 | 7,673,000 | 10,327,000 |
| Noninterest income | 552,000 | 1,216,000 | 1,812,000 | 2,417,000 |
| Noninterest expense | 1,819,000 | 3,821,000 | 5,758,000 | 7,919,000 |
| Provision for loan losses | 47,000 | 199,000 | 251,000 | 381,000 |
| Pretax income | 1,288,000 | 2,326,000 | 3,523,000 | 4,491,000 |
| Income tax | 438,000 | 747,000 | 1,139,000 | 1,280,000 |
| Net income | 850,000 | 1,579,000 | 2,384,000 | 3,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,289,000 | 21,643,000 | 22,313,000 | 23,034,000 |
| Total capital | 20,540,000 | 24,016,000 | 24,413,000 | 25,043,000 |
| Risk-weighted assets | 211,129,000 | 217,178,000 | 217,150,000 | 217,222,000 |
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