Call reports 2009
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2009
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 427,581,000 | 439,858,000 | 454,808,000 | 483,637,000 |
| Total loans | 333,236,000 | 361,453,000 | 377,656,000 | 398,050,000 |
| Allowance for loan losses | 2,834,000 | 3,119,000 | 3,303,000 | 3,628,000 |
| Securities available for sale | 19,895,000 | 18,385,000 | 21,123,000 | 19,745,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,007,000 | 384,156,000 | 398,015,000 | 427,082,000 |
| Interest-bearing deposits | 293,318,000 | 76,622,000 | 322,010,000 | 346,143,000 |
| Noninterest-bearing deposits | 77,689,000 | 307,534,000 | 76,005,000 | 80,939,000 |
| Equity capital | 35,216,000 | 34,521,000 | 36,069,000 | 39,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,935,000 | 10,285,000 | 15,884,000 | 21,673,000 |
| Interest expense | 1,249,000 | 2,629,000 | 4,034,000 | 5,486,000 |
| Net interest income | 3,686,000 | 7,656,000 | 11,850,000 | 16,187,000 |
| Noninterest income | 615,000 | 1,464,000 | 2,287,000 | 3,187,000 |
| Noninterest expense | 2,551,000 | 5,469,000 | 8,304,000 | 11,386,000 |
| Provision for loan losses | 60,000 | 240,000 | 440,000 | 830,000 |
| Pretax income | 1,867,000 | 3,620,000 | 5,602,000 | 7,512,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,867,000 | 3,620,000 | 5,602,000 | 7,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,838,000 | 33,116,000 | 33,763,000 | 37,667,000 |
| Total capital | 36,672,000 | 36,235,000 | 37,066,000 | 41,295,000 |
| Risk-weighted assets | 330,738,000 | 362,030,000 | 366,703,000 | 386,574,000 |
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