Call reports 2012
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2012
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 623,069,000 | 619,722,000 | 689,045,000 | 685,685,000 |
| Total loans | 468,444,000 | 448,718,000 | 453,358,000 | 477,003,000 |
| Allowance for loan losses | 6,982,000 | 6,901,000 | 6,891,000 | 6,673,000 |
| Securities available for sale | 48,586,000 | 84,022,000 | 95,932,000 | 105,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 555,916,000 | 554,300,000 | 620,745,000 | 617,472,000 |
| Interest-bearing deposits | 451,654,000 | 450,291,000 | 459,451,000 | 489,701,000 |
| Noninterest-bearing deposits | 104,262,000 | 104,009,000 | 161,294,000 | 127,771,000 |
| Equity capital | 51,930,000 | 50,729,000 | 52,067,000 | 53,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,715,000 | 13,202,000 | 19,518,000 | 25,874,000 |
| Interest expense | 1,178,000 | 2,279,000 | 3,387,000 | 4,508,000 |
| Net interest income | 5,537,000 | 10,923,000 | 16,131,000 | 21,366,000 |
| Noninterest income | 918,000 | 1,941,000 | 3,049,000 | 4,147,000 |
| Noninterest expense | 3,127,000 | 6,493,000 | 9,852,000 | 13,392,000 |
| Provision for loan losses | 400,000 | 400,000 | 400,000 | 450,000 |
| Pretax income | 4,591,000 | 7,634,000 | 10,591,000 | 14,093,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,591,000 | 7,634,000 | 10,591,000 | 14,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,603,000 | 49,904,000 | 50,407,000 | 52,757,000 |
| Total capital | 56,250,000 | 55,404,000 | 55,983,000 | 58,724,000 |
| Risk-weighted assets | 450,446,000 | 438,637,000 | 445,293,000 | 476,620,000 |