Call reports 2016
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2016
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 754,669,000 | 735,517,000 | 767,757,000 | 761,692,000 |
| Total loans | 590,881,000 | 603,036,000 | 614,829,000 | 645,294,000 |
| Allowance for loan losses | 6,500,000 | 6,784,000 | 6,878,000 | 6,891,000 |
| Securities available for sale | 86,379,000 | 76,935,000 | 76,056,000 | 70,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 670,963,000 | 654,121,000 | 684,128,000 | 679,484,000 |
| Interest-bearing deposits | 519,789,000 | 515,006,000 | 529,512,000 | 527,225,000 |
| Noninterest-bearing deposits | 151,174,000 | 139,115,000 | 154,616,000 | 152,259,000 |
| Equity capital | 70,449,000 | 67,436,000 | 68,626,000 | 70,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,405,000 | 14,804,000 | 22,243,000 | 29,915,000 |
| Interest expense | 838,000 | 1,680,000 | 2,542,000 | 3,395,000 |
| Net interest income | 6,567,000 | 13,124,000 | 19,701,000 | 26,520,000 |
| Noninterest income | 1,325,000 | 2,575,000 | 3,909,000 | 5,078,000 |
| Noninterest expense | 3,839,000 | 7,815,000 | 11,741,000 | 15,826,000 |
| Provision for loan losses | 350,000 | 525,000 | 675,000 | 825,000 |
| Pretax income | 3,714,000 | 7,409,000 | 11,244,000 | 15,001,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,714,000 | 7,409,000 | 11,244,000 | 15,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,245,000 | 65,667,000 | 66,856,000 | 70,615,000 |
| Total capital | 75,745,000 | 72,451,000 | 73,734,000 | 77,506,000 |
| Risk-weighted assets | 609,837,000 | 609,332,000 | 637,812,000 | 654,646,000 |