Call reports 2023
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2023
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,406,552,000 | 1,445,680,000 | 1,554,074,000 | 1,593,986,000 |
| Total loans | 1,148,296,000 | 1,165,058,000 | 1,139,697,000 | 1,167,074,000 |
| Allowance for loan losses | 12,990,000 | 13,744,000 | 14,197,000 | 15,027,000 |
| Securities available for sale | 130,710,000 | 124,854,000 | 118,488,000 | 118,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,199,681,000 | 1,179,550,000 | 1,250,190,000 | 1,282,585,000 |
| Interest-bearing deposits | 726,326,000 | 727,950,000 | 800,330,000 | 825,207,000 |
| Noninterest-bearing deposits | 473,355,000 | 451,600,000 | 449,860,000 | 457,378,000 |
| Equity capital | 116,203,000 | 113,691,000 | 126,671,000 | 139,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 16,093,000 | 34,621,000 | 54,504,000 | 76,939,000 |
| Interest expense | 2,483,000 | 6,843,000 | 12,415,000 | 19,207,000 |
| Net interest income | 13,610,000 | 27,778,000 | 42,089,000 | 57,732,000 |
| Noninterest income | 2,052,000 | 4,282,000 | 6,139,000 | 7,982,000 |
| Noninterest expense | 6,632,000 | 13,795,000 | 20,788,000 | 28,125,000 |
| Provision for loan losses | 450,000 | 1,250,000 | 1,800,000 | 2,875,000 |
| Pretax income | 8,580,000 | 17,015,000 | 25,640,000 | 34,714,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 8,580,000 | 17,015,000 | 25,640,000 | 34,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,203,000 | 126,384,000 | 141,583,000 | 150,658,000 |
| Total capital | 142,018,000 | 140,953,000 | 156,887,000 | 165,195,000 |
| Risk-weighted assets | 1,176,817,000 | 1,192,907,000 | 1,268,485,000 | 1,161,107,000 |