Call reports 2017
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2017
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 771,282,000 | 784,130,000 | 828,406,000 | 828,650,000 |
| Total loans | 647,792,000 | 645,115,000 | 661,171,000 | 675,896,000 |
| Allowance for loan losses | 7,050,000 | 7,220,000 | 7,372,000 | 7,359,000 |
| Securities available for sale | 69,531,000 | 69,091,000 | 67,327,000 | 64,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 680,596,000 | 699,624,000 | 741,170,000 | 739,860,000 |
| Interest-bearing deposits | 518,162,000 | 541,493,000 | 562,045,000 | 558,779,000 |
| Noninterest-bearing deposits | 162,434,000 | 158,131,000 | 179,125,000 | 181,081,000 |
| Equity capital | 72,076,000 | 71,633,000 | 72,873,000 | 76,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,790,000 | 15,821,000 | 24,107,000 | 32,470,000 |
| Interest expense | 888,000 | 1,741,000 | 2,675,000 | 3,663,000 |
| Net interest income | 6,902,000 | 14,080,000 | 21,432,000 | 28,807,000 |
| Noninterest income | 1,293,000 | 2,453,000 | 3,617,000 | 4,795,000 |
| Noninterest expense | 4,073,000 | 8,286,000 | 12,559,000 | 16,904,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 3,972,000 | 7,952,000 | 12,045,000 | 16,103,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,972,000 | 7,952,000 | 12,045,000 | 16,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,053,000 | 70,633,000 | 71,913,000 | 75,980,000 |
| Total capital | 79,103,000 | 77,853,000 | 79,285,000 | 83,339,000 |
| Risk-weighted assets | 675,615,000 | 673,127,000 | 690,974,000 | 726,530,000 |