Call reports 2019
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2019
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 860,504,000 | 829,091,000 | 856,007,000 | 878,267,000 |
| Total loans | 736,829,000 | 731,711,000 | 736,096,000 | 748,906,000 |
| Allowance for loan losses | 8,333,000 | 8,483,000 | 8,655,000 | 8,826,000 |
| Securities available for sale | 56,968,000 | 50,805,000 | 47,328,000 | 43,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 761,019,000 | 728,767,000 | 752,073,000 | 776,545,000 |
| Interest-bearing deposits | 566,982,000 | 544,161,000 | 547,015,000 | 546,661,000 |
| Noninterest-bearing deposits | 194,037,000 | 184,606,000 | 205,058,000 | 229,884,000 |
| Equity capital | 84,875,000 | 84,121,000 | 86,013,000 | 85,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,549,000 | 19,443,000 | 29,391,000 | 39,353,000 |
| Interest expense | 1,476,000 | 2,977,000 | 4,532,000 | 6,052,000 |
| Net interest income | 8,073,000 | 16,466,000 | 24,859,000 | 33,301,000 |
| Noninterest income | 1,380,000 | 2,912,000 | 4,429,000 | 5,974,000 |
| Noninterest expense | 4,222,000 | 8,468,000 | 12,977,000 | 17,749,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 10,600,000 |
| Pretax income | 5,081,000 | 10,610,000 | 15,861,000 | 10,926,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,081,000 | 10,610,000 | 15,861,000 | 10,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,385,000 | 83,060,000 | 84,836,000 | 84,036,000 |
| Total capital | 92,718,000 | 91,543,000 | 93,491,000 | 92,862,000 |
| Risk-weighted assets | 776,260,000 | 773,003,000 | 781,706,000 | 774,960,000 |