Call reports 2011
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2011
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 578,837,000 | 570,194,000 | 579,379,000 | 608,273,000 |
| Total loans | 451,633,000 | 441,006,000 | 455,014,000 | 463,073,000 |
| Allowance for loan losses | 5,563,000 | 5,854,000 | 6,252,000 | 6,533,000 |
| Securities available for sale | 27,872,000 | 44,444,000 | 45,765,000 | 60,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 515,113,000 | 509,581,000 | 518,193,000 | 543,331,000 |
| Interest-bearing deposits | 414,017,000 | 421,642,000 | 431,030,000 | 438,032,000 |
| Noninterest-bearing deposits | 101,096,000 | 87,939,000 | 87,163,000 | 105,299,000 |
| Equity capital | 46,144,000 | 46,338,000 | 47,009,000 | 49,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,532,000 | 13,139,000 | 19,696,000 | 26,387,000 |
| Interest expense | 1,201,000 | 2,446,000 | 3,679,000 | 4,864,000 |
| Net interest income | 5,331,000 | 10,693,000 | 16,017,000 | 21,523,000 |
| Noninterest income | 919,000 | 2,003,000 | 3,022,000 | 4,043,000 |
| Noninterest expense | 3,174,000 | 6,488,000 | 9,847,000 | 13,402,000 |
| Provision for loan losses | 680,000 | 980,000 | 1,380,000 | 1,980,000 |
| Pretax income | 2,396,000 | 5,388,000 | 8,119,000 | 10,614,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,396,000 | 5,388,000 | 8,119,000 | 10,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,984,000 | 45,016,000 | 45,227,000 | 47,632,000 |
| Total capital | 50,428,000 | 50,286,000 | 50,729,000 | 53,272,000 |
| Risk-weighted assets | 435,410,000 | 421,019,000 | 439,441,000 | 450,304,000 |