Call reports 2021
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2021
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,160,732,000 | 1,162,468,000 | 1,236,177,000 | 1,295,646,000 |
| Total loans | 798,335,000 | 831,936,000 | 847,744,000 | 869,225,000 |
| Allowance for loan losses | 9,229,000 | 9,329,000 | 9,755,000 | 9,921,000 |
| Securities available for sale | 44,715,000 | 57,401,000 | 68,439,000 | 70,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,043,465,000 | 1,041,378,000 | 1,109,911,000 | 1,167,348,000 |
| Interest-bearing deposits | 672,057,000 | 669,822,000 | 711,494,000 | 742,143,000 |
| Noninterest-bearing deposits | 371,408,000 | 371,556,000 | 398,417,000 | 425,205,000 |
| Equity capital | 101,233,000 | 100,528,000 | 103,082,000 | 106,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 9,308,000 | 18,893,000 | 28,849,000 | 39,183,000 |
| Interest expense | 1,036,000 | 1,982,000 | 2,898,000 | 3,764,000 |
| Net interest income | 8,272,000 | 16,911,000 | 25,951,000 | 35,419,000 |
| Noninterest income | 3,605,000 | 6,004,000 | 7,718,000 | 9,442,000 |
| Noninterest expense | 5,113,000 | 10,894,000 | 16,087,000 | 22,264,000 |
| Provision for loan losses | 90,000 | 180,000 | 605,000 | 3,255,000 |
| Pretax income | 6,674,000 | 11,849,000 | 16,996,000 | 19,361,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,674,000 | 11,849,000 | 16,996,000 | 19,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,799,000 | 99,354,000 | 101,740,000 | 106,107,000 |
| Total capital | 109,028,000 | 108,683,000 | 111,495,000 | 116,028,000 |
| Risk-weighted assets | 829,676,000 | 901,806,000 | 958,987,000 | 905,096,000 |