Call reports 2005
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2005
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 289,412,000 | 281,828,000 | 284,556,000 | 299,108,000 |
| Total loans | 214,467,000 | 220,825,000 | 225,789,000 | 230,159,000 |
| Allowance for loan losses | 1,659,000 | 1,739,000 | 1,651,000 | 1,623,000 |
| Securities available for sale | 20,148,000 | 28,147,000 | 29,302,000 | 30,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,523,000 | 241,622,000 | 242,306,000 | 260,131,000 |
| Interest-bearing deposits | 192,582,000 | 185,254,000 | 191,173,000 | 196,968,000 |
| Noninterest-bearing deposits | 57,941,000 | 56,368,000 | 51,133,000 | 63,163,000 |
| Equity capital | 24,524,000 | 25,391,000 | 26,786,000 | 27,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,726,000 | 7,435,000 | 11,307,000 | 15,375,000 |
| Interest expense | 785,000 | 1,742,000 | 2,851,000 | 4,112,000 |
| Net interest income | 2,941,000 | 5,693,000 | 8,456,000 | 11,263,000 |
| Noninterest income | 565,000 | 1,139,000 | 1,719,000 | 2,274,000 |
| Noninterest expense | 2,009,000 | 4,042,000 | 6,026,000 | 8,149,000 |
| Provision for loan losses | 315,000 | 415,000 | 465,000 | 465,000 |
| Pretax income | 1,083,000 | 2,276,000 | 3,585,000 | 4,824,000 |
| Income tax | 352,000 | 714,000 | 1,126,000 | 1,512,000 |
| Net income | 731,000 | 1,562,000 | 2,459,000 | 3,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,648,000 | 24,460,000 | 25,927,000 | 26,657,000 |
| Total capital | 25,307,000 | 26,199,000 | 27,578,000 | 28,280,000 |
| Risk-weighted assets | 219,261,000 | 222,885,000 | 225,827,000 | 230,101,000 |
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