Call reports 2010
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2010
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 496,370,000 | 498,079,000 | 543,253,000 | 562,469,000 |
| Total loans | 412,718,000 | 409,262,000 | 423,819,000 | 448,883,000 |
| Allowance for loan losses | 3,877,000 | 4,164,000 | 4,504,000 | 4,853,000 |
| Securities available for sale | 19,116,000 | 29,775,000 | 30,076,000 | 28,540,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 435,616,000 | 437,391,000 | 479,403,000 | 497,273,000 |
| Interest-bearing deposits | 357,266,000 | 361,534,000 | 371,969,000 | 389,679,000 |
| Noninterest-bearing deposits | 78,350,000 | 75,857,000 | 107,434,000 | 107,594,000 |
| Equity capital | 41,218,000 | 42,531,000 | 44,019,000 | 45,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,814,000 | 11,805,000 | 18,033,000 | 24,488,000 |
| Interest expense | 1,390,000 | 2,759,000 | 4,056,000 | 5,284,000 |
| Net interest income | 4,424,000 | 9,046,000 | 13,977,000 | 19,204,000 |
| Noninterest income | 940,000 | 1,861,000 | 2,807,000 | 3,764,000 |
| Noninterest expense | 2,994,000 | 6,076,000 | 9,209,000 | 12,632,000 |
| Provision for loan losses | 240,000 | 540,000 | 890,000 | 1,265,000 |
| Pretax income | 2,130,000 | 4,291,000 | 6,685,000 | 9,214,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,130,000 | 4,291,000 | 6,685,000 | 9,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,433,000 | 40,728,000 | 41,448,000 | 44,287,000 |
| Total capital | 43,310,000 | 44,892,000 | 45,952,000 | 49,140,000 |
| Risk-weighted assets | 393,298,000 | 403,103,000 | 418,635,000 | 433,714,000 |