Call reports 2007
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2007
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 339,100,000 | 344,333,000 | 355,281,000 | 369,248,000 |
| Total loans | 263,476,000 | 275,035,000 | 298,932,000 | 308,944,000 |
| Allowance for loan losses | 2,234,000 | 2,409,000 | 2,621,000 | 2,263,000 |
| Securities available for sale | 23,039,000 | 27,234,000 | 26,967,000 | 26,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,644,000 | 302,638,000 | 295,800,000 | 304,161,000 |
| Interest-bearing deposits | 230,850,000 | 240,521,000 | 234,808,000 | 236,344,000 |
| Noninterest-bearing deposits | 64,794,000 | 62,117,000 | 60,992,000 | 67,817,000 |
| Equity capital | 29,827,000 | 28,798,000 | 29,724,000 | 31,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,154,000 | 10,558,000 | 16,198,000 | 21,909,000 |
| Interest expense | 1,917,000 | 3,990,000 | 6,181,000 | 8,380,000 |
| Net interest income | 3,237,000 | 6,568,000 | 10,017,000 | 13,529,000 |
| Noninterest income | 627,000 | 1,259,000 | 1,941,000 | 3,017,000 |
| Noninterest expense | 2,014,000 | 4,061,000 | 6,228,000 | 8,546,000 |
| Provision for loan losses | 135,000 | 310,000 | 525,000 | 1,045,000 |
| Pretax income | 1,715,000 | 3,456,000 | 5,205,000 | 6,970,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,715,000 | 3,456,000 | 5,205,000 | 6,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,982,000 | 28,420,000 | 28,948,000 | 30,583,000 |
| Total capital | 31,216,000 | 30,829,000 | 31,569,000 | 32,846,000 |
| Risk-weighted assets | 263,311,000 | 272,728,000 | 290,639,000 | 303,046,000 |
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