Call reports 2001
CITIZENS NATIONAL BANK AT BROWNWOOD — 2001
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 112,815,000 | 112,781,000 | 118,545,000 | 123,960,000 |
| Total loans | 65,627,000 | 66,295,000 | 67,021,000 | 66,723,000 |
| Allowance for loan losses | 779,000 | 775,000 | 707,000 | 762,000 |
| Securities available for sale | 18,805,000 | 21,683,000 | 25,989,000 | 26,802,000 |
| Securities held to maturity | 437,000 | 437,000 | 436,000 | 436,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,761,000 | 96,574,000 | 101,827,000 | 107,231,000 |
| Interest-bearing deposits | 72,596,000 | 71,179,000 | 76,354,000 | 78,198,000 |
| Noninterest-bearing deposits | 24,165,000 | 25,395,000 | 25,473,000 | 29,033,000 |
| Equity capital | 14,564,000 | 14,712,000 | 15,156,000 | 15,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,088,000 | 4,089,000 | 6,024,000 | 7,874,000 |
| Interest expense | 792,000 | 1,536,000 | 2,236,000 | 2,811,000 |
| Net interest income | 1,296,000 | 2,553,000 | 3,788,000 | 5,063,000 |
| Noninterest income | 331,000 | 672,000 | 1,030,000 | 1,416,000 |
| Noninterest expense | 774,000 | 1,580,000 | 2,418,000 | 3,307,000 |
| Provision for loan losses | 20,000 | 35,000 | 50,000 | 95,000 |
| Pretax income | 833,000 | 1,610,000 | 2,350,000 | 3,077,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 25,000 |
| Net income | 827,000 | 1,598,000 | 2,332,000 | 3,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,349,000 | 14,475,000 | 14,618,000 | 14,798,000 |
| Total capital | 15,128,000 | 15,250,000 | 15,325,000 | 15,560,000 |
| Risk-weighted assets | 74,331,000 | 75,395,000 | 78,021,000 | 78,487,000 |