Call reports 2014
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2014
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 725,597,000 | 722,977,000 | 742,782,000 | 732,244,000 |
| Total loans | 513,835,000 | 512,562,000 | 522,026,000 | 538,032,000 |
| Allowance for loan losses | 6,771,000 | 6,633,000 | 6,800,000 | 6,679,000 |
| Securities available for sale | 108,564,000 | 100,924,000 | 97,960,000 | 95,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 655,343,000 | 652,802,000 | 669,049,000 | 657,960,000 |
| Interest-bearing deposits | 500,775,000 | 494,326,000 | 500,055,000 | 516,346,000 |
| Noninterest-bearing deposits | 154,568,000 | 158,476,000 | 168,994,000 | 141,614,000 |
| Equity capital | 55,990,000 | 57,199,000 | 58,812,000 | 61,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,624,000 | 13,264,000 | 19,891,000 | 26,708,000 |
| Interest expense | 902,000 | 1,764,000 | 2,604,000 | 3,451,000 |
| Net interest income | 5,722,000 | 11,500,000 | 17,287,000 | 23,257,000 |
| Noninterest income | 1,081,000 | 2,226,000 | 3,376,000 | 4,497,000 |
| Noninterest expense | 3,448,000 | 7,151,000 | 10,761,000 | 14,496,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 3,205,000 | 6,411,000 | 9,593,000 | 12,801,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,205,000 | 6,411,000 | 9,593,000 | 12,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,057,000 | 57,646,000 | 58,953,000 | 61,078,000 |
| Total capital | 64,604,000 | 64,214,000 | 65,697,000 | 67,757,000 |
| Risk-weighted assets | 523,534,000 | 525,335,000 | 539,487,000 | 551,519,000 |