Call reports 2015
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2015
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 772,187,000 | 770,011,000 | 792,205,000 | 779,671,000 |
| Total loans | 544,830,000 | 549,191,000 | 541,915,000 | 569,432,000 |
| Allowance for loan losses | 6,412,000 | 6,563,000 | 6,724,000 | 6,155,000 |
| Securities available for sale | 104,118,000 | 99,533,000 | 92,356,000 | 89,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 695,899,000 | 695,217,000 | 715,187,000 | 699,343,000 |
| Interest-bearing deposits | 512,021,000 | 513,785,000 | 531,539,000 | 533,057,000 |
| Noninterest-bearing deposits | 183,878,000 | 181,432,000 | 183,648,000 | 166,286,000 |
| Equity capital | 63,257,000 | 61,955,000 | 64,515,000 | 67,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,687,000 | 13,568,000 | 20,993,000 | 27,911,000 |
| Interest expense | 828,000 | 1,667,000 | 2,520,000 | 3,384,000 |
| Net interest income | 5,859,000 | 11,901,000 | 18,473,000 | 24,527,000 |
| Noninterest income | 1,212,000 | 2,494,000 | 3,901,000 | 5,153,000 |
| Noninterest expense | 3,643,000 | 7,417,000 | 11,175,000 | 15,199,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 3,278,000 | 6,726,000 | 10,799,000 | 13,931,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,278,000 | 6,726,000 | 10,799,000 | 13,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,214,000 | 62,057,000 | 64,110,000 | 67,246,000 |
| Total capital | 68,626,000 | 68,620,000 | 70,834,000 | 73,401,000 |
| Risk-weighted assets | 577,379,000 | 574,932,000 | 587,851,000 | 582,360,000 |