Call reports 2008
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2008
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 366,584,000 | 379,076,000 | 393,477,000 | 389,757,000 |
| Total loans | 308,349,000 | 322,435,000 | 332,220,000 | 329,965,000 |
| Allowance for loan losses | 2,384,000 | 2,533,000 | 2,623,000 | 2,769,000 |
| Securities available for sale | 26,181,000 | 24,811,000 | 20,784,000 | 19,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,094,000 | 294,232,000 | 316,383,000 | 315,022,000 |
| Interest-bearing deposits | 234,796,000 | 231,194,000 | 241,702,000 | 245,950,000 |
| Noninterest-bearing deposits | 76,298,000 | 63,038,000 | 74,681,000 | 69,072,000 |
| Equity capital | 32,711,000 | 31,526,000 | 32,313,000 | 34,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,518,000 | 10,831,000 | 16,269,000 | 21,534,000 |
| Interest expense | 1,981,000 | 3,607,000 | 5,268,000 | 6,728,000 |
| Net interest income | 3,537,000 | 7,224,000 | 11,001,000 | 14,806,000 |
| Noninterest income | 715,000 | 1,505,000 | 2,199,000 | 3,058,000 |
| Noninterest expense | 2,234,000 | 4,562,000 | 6,882,000 | 9,658,000 |
| Provision for loan losses | 60,000 | 221,000 | 321,000 | 321,000 |
| Pretax income | 1,958,000 | 3,946,000 | 6,006,000 | 7,931,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,958,000 | 3,946,000 | 6,006,000 | 7,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,401,000 | 30,760,000 | 31,480,000 | 33,272,000 |
| Total capital | 33,785,000 | 33,293,000 | 34,103,000 | 36,041,000 |
| Risk-weighted assets | 296,918,000 | 319,215,000 | 328,003,000 | 316,534,000 |
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