Call reports 2024
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2024
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,615,362,000 | 1,593,305,000 | 1,576,834,000 | 1,555,242,000 |
| Total loans | 1,155,704,000 | 1,165,848,000 | 1,144,407,000 | 1,188,270,000 |
| Allowance for loan losses | 14,916,000 | 15,031,000 | 14,853,000 | 15,033,000 |
| Securities available for sale | 112,913,000 | 108,348,000 | 107,185,000 | 101,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,286,938,000 | 1,315,642,000 | 1,376,957,000 | 1,357,407,000 |
| Interest-bearing deposits | 853,511,000 | 985,723,000 | 1,029,068,000 | 980,100,000 |
| Noninterest-bearing deposits | 433,427,000 | 329,919,000 | 347,889,000 | 377,307,000 |
| Equity capital | 165,342,000 | 164,636,000 | 170,549,000 | 176,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 22,069,000 | 45,711,000 | 68,768,000 | 91,770,000 |
| Interest expense | 7,229,000 | 15,962,000 | 24,380,000 | 31,653,000 |
| Net interest income | 14,840,000 | 29,749,000 | 44,388,000 | 60,117,000 |
| Noninterest income | 1,836,000 | 3,704,000 | 5,302,000 | 6,898,000 |
| Noninterest expense | 6,724,000 | 13,708,000 | 21,148,000 | 29,217,000 |
| Provision for loan losses | 0 | 200,000 | 204,000 | 981,000 |
| Pretax income | 9,952,000 | 19,538,000 | 28,142,000 | 36,803,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 9,952,000 | 19,538,000 | 28,142,000 | 36,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 176,578,000 | 175,439,000 | 178,267,000 | 186,929,000 |
| Total capital | 191,058,000 | 189,747,000 | 192,348,000 | 201,489,000 |
| Risk-weighted assets | 1,156,553,000 | 1,142,532,000 | 1,124,170,000 | 1,162,983,000 |