Call reports 2022
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2022
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,320,960,000 | 1,322,585,000 | 1,349,321,000 | 1,333,228,000 |
| Total loans | 914,787,000 | 973,077,000 | 1,025,806,000 | 1,113,026,000 |
| Allowance for loan losses | 10,244,000 | 10,886,000 | 11,615,000 | 13,350,000 |
| Securities available for sale | 131,054,000 | 147,147,000 | 137,655,000 | 135,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,194,820,000 | 1,203,360,000 | 1,230,909,000 | 1,203,990,000 |
| Interest-bearing deposits | 755,693,000 | 761,430,000 | 773,605,000 | 745,493,000 |
| Noninterest-bearing deposits | 439,127,000 | 441,930,000 | 457,304,000 | 458,497,000 |
| Equity capital | 105,439,000 | 96,814,000 | 97,413,000 | 112,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 10,566,000 | 22,388,000 | 35,995,000 | 51,534,000 |
| Interest expense | 760,000 | 1,637,000 | 2,746,000 | 4,363,000 |
| Net interest income | 9,806,000 | 20,751,000 | 33,249,000 | 47,171,000 |
| Noninterest income | 2,359,000 | 4,929,000 | 7,002,000 | 9,244,000 |
| Noninterest expense | 6,025,000 | 12,216,000 | 18,497,000 | 25,578,000 |
| Provision for loan losses | 315,000 | 1,220,000 | 1,895,000 | 3,795,000 |
| Pretax income | 5,825,000 | 12,244,000 | 19,859,000 | 27,042,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,825,000 | 12,244,000 | 19,859,000 | 27,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,196,000 | 109,064,000 | 112,030,000 | 124,213,000 |
| Total capital | 119,440,000 | 119,950,000 | 123,645,000 | 137,563,000 |
| Risk-weighted assets | 922,823,000 | 1,042,646,000 | 1,063,723,000 | 1,148,786,000 |