Call reports 2018
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2018
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 856,156,000 | 855,755,000 | 881,869,000 | 851,721,000 |
| Total loans | 709,144,000 | 715,187,000 | 737,522,000 | 724,440,000 |
| Allowance for loan losses | 7,556,000 | 7,570,000 | 7,975,000 | 8,167,000 |
| Securities available for sale | 62,633,000 | 61,026,000 | 59,244,000 | 58,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 766,510,000 | 765,140,000 | 790,613,000 | 755,259,000 |
| Interest-bearing deposits | 573,169,000 | 573,508,000 | 593,727,000 | 555,740,000 |
| Noninterest-bearing deposits | 193,341,000 | 191,632,000 | 196,886,000 | 199,519,000 |
| Equity capital | 77,419,000 | 76,153,000 | 77,572,000 | 81,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,727,000 | 17,767,000 | 27,306,000 | 36,853,000 |
| Interest expense | 998,000 | 2,063,000 | 3,325,000 | 4,714,000 |
| Net interest income | 7,729,000 | 15,704,000 | 23,981,000 | 32,139,000 |
| Noninterest income | 1,292,000 | 2,620,000 | 4,034,000 | 5,419,000 |
| Noninterest expense | 4,246,000 | 8,417,000 | 12,808,000 | 18,356,000 |
| Provision for loan losses | 150,000 | 300,000 | 700,000 | 850,000 |
| Pretax income | 4,638,000 | 9,620,000 | 14,520,000 | 18,365,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,638,000 | 9,620,000 | 14,520,000 | 18,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,880,000 | 76,613,000 | 78,285,000 | 82,009,000 |
| Total capital | 85,436,000 | 84,183,000 | 86,260,000 | 90,176,000 |
| Risk-weighted assets | 750,444,000 | 765,909,000 | 788,433,000 | 770,851,000 |