Call reports 2013
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2013
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 700,879,000 | 705,444,000 | 726,202,000 | 732,226,000 |
| Total loans | 488,511,000 | 470,377,000 | 485,843,000 | 499,840,000 |
| Allowance for loan losses | 6,779,000 | 6,887,000 | 6,828,000 | 6,619,000 |
| Securities available for sale | 104,461,000 | 103,872,000 | 113,440,000 | 110,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 632,597,000 | 641,117,000 | 659,542,000 | 664,394,000 |
| Interest-bearing deposits | 478,325,000 | 482,526,000 | 485,617,000 | 501,666,000 |
| Noninterest-bearing deposits | 154,272,000 | 158,591,000 | 173,925,000 | 162,728,000 |
| Equity capital | 53,714,000 | 50,496,000 | 50,771,000 | 53,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,370,000 | 12,926,000 | 19,257,000 | 25,846,000 |
| Interest expense | 973,000 | 1,928,000 | 2,874,000 | 3,812,000 |
| Net interest income | 5,397,000 | 10,998,000 | 16,383,000 | 22,034,000 |
| Noninterest income | 982,000 | 1,938,000 | 2,974,000 | 3,950,000 |
| Noninterest expense | 3,340,000 | 6,811,000 | 10,230,000 | 13,618,000 |
| Provision for loan losses | 100,000 | 250,000 | 250,000 | 350,000 |
| Pretax income | 2,940,000 | 5,876,000 | 8,878,000 | 12,017,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,940,000 | 5,876,000 | 8,878,000 | 12,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,531,000 | 53,162,000 | 54,600,000 | 56,653,000 |
| Total capital | 59,704,000 | 59,239,000 | 60,857,000 | 63,098,000 |
| Risk-weighted assets | 493,422,000 | 485,999,000 | 500,025,000 | 515,442,000 |