Call reports 2002
CITIZENS NATIONAL BANK AT BROWNWOOD — 2002
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 123,370,000 | 125,137,000 | 128,182,000 | 127,300,000 |
| Total loans | 67,178,000 | 68,452,000 | 70,894,000 | 71,994,000 |
| Allowance for loan losses | 780,000 | 765,000 | 780,000 | 772,000 |
| Securities available for sale | 27,954,000 | 31,658,000 | 29,907,000 | 28,335,000 |
| Securities held to maturity | 351,000 | 350,000 | 810,000 | 810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,675,000 | 107,983,000 | 110,670,000 | 109,810,000 |
| Interest-bearing deposits | 76,579,000 | 79,614,000 | 79,580,000 | 77,958,000 |
| Noninterest-bearing deposits | 30,096,000 | 28,369,000 | 31,090,000 | 31,852,000 |
| Equity capital | 15,330,000 | 15,830,000 | 16,158,000 | 16,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,718,000 | 3,434,000 | 5,144,000 | 6,814,000 |
| Interest expense | 479,000 | 903,000 | 1,297,000 | 1,661,000 |
| Net interest income | 1,239,000 | 2,531,000 | 3,847,000 | 5,153,000 |
| Noninterest income | 358,000 | 735,000 | 1,151,000 | 1,545,000 |
| Noninterest expense | 777,000 | 1,590,000 | 2,407,000 | 3,344,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 50,000 |
| Pretax income | 820,000 | 1,676,000 | 2,571,000 | 3,303,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 820,000 | 1,676,000 | 2,571,000 | 3,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,008,000 | 15,254,000 | 15,469,000 | 15,626,000 |
| Total capital | 15,788,000 | 16,019,000 | 16,249,000 | 16,398,000 |
| Risk-weighted assets | 79,178,000 | 80,267,000 | 83,464,000 | 83,060,000 |