Call reports 2020
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2020
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 888,987,000 | 1,062,409,000 | 1,033,525,000 | 1,115,852,000 |
| Total loans | 763,238,000 | 829,054,000 | 830,331,000 | 817,185,000 |
| Allowance for loan losses | 8,960,000 | 9,087,000 | 9,254,000 | 9,157,000 |
| Securities available for sale | 40,287,000 | 39,021,000 | 34,686,000 | 31,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 757,311,000 | 901,837,000 | 920,270,000 | 998,578,000 |
| Interest-bearing deposits | 540,997,000 | 596,078,000 | 620,186,000 | 647,803,000 |
| Noninterest-bearing deposits | 216,314,000 | 305,759,000 | 300,084,000 | 350,775,000 |
| Equity capital | 88,226,000 | 87,563,000 | 90,449,000 | 97,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 9,881,000 | 19,544,000 | 29,121,000 | 38,642,000 |
| Interest expense | 1,414,000 | 2,740,000 | 4,061,000 | 5,257,000 |
| Net interest income | 8,467,000 | 16,804,000 | 25,060,000 | 33,385,000 |
| Noninterest income | 1,553,000 | 3,281,000 | 4,911,000 | 9,349,000 |
| Noninterest expense | 4,792,000 | 9,812,000 | 14,222,000 | 19,879,000 |
| Provision for loan losses | 150,000 | 3,000,000 | 3,150,000 | 3,300,000 |
| Pretax income | 5,078,000 | 7,273,000 | 12,621,000 | 19,577,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,078,000 | 7,273,000 | 12,621,000 | 19,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,439,000 | 85,702,000 | 88,669,000 | 95,626,000 |
| Total capital | 96,399,000 | 94,789,000 | 97,923,000 | 104,783,000 |
| Risk-weighted assets | 784,419,000 | 806,794,000 | 784,859,000 | 793,582,000 |