Call reports 2003
CITIZENS NATIONAL BANK AT BROWNWOOD — 2003
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 129,153,000 | 129,174,000 | 129,226,000 | 131,471,000 |
| Total loans | 72,956,000 | 71,771,000 | 72,518,000 | 73,419,000 |
| Allowance for loan losses | 769,000 | 786,000 | 798,000 | 788,000 |
| Securities available for sale | 25,369,000 | 26,478,000 | 39,278,000 | 39,517,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,490,000 | 111,518,000 | 111,519,000 | 114,011,000 |
| Interest-bearing deposits | 79,109,000 | 79,435,000 | 79,316,000 | 82,202,000 |
| Noninterest-bearing deposits | 32,381,000 | 32,083,000 | 32,203,000 | 31,809,000 |
| Equity capital | 16,356,000 | 16,428,000 | 16,398,000 | 16,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,573,000 | 3,145,000 | 4,676,000 | 6,198,000 |
| Interest expense | 325,000 | 636,000 | 909,000 | 1,172,000 |
| Net interest income | 1,248,000 | 2,509,000 | 3,767,000 | 5,026,000 |
| Noninterest income | 363,000 | 759,000 | 1,174,000 | 1,540,000 |
| Noninterest expense | 800,000 | 1,630,000 | 2,462,000 | 3,376,000 |
| Provision for loan losses | 15,000 | 30,000 | 42,000 | 42,000 |
| Pretax income | 799,000 | 1,611,000 | 2,444,000 | 3,155,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 799,000 | 1,611,000 | 2,444,000 | 3,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,809,000 | 15,941,000 | 16,086,000 | 15,977,000 |
| Total capital | 16,578,000 | 16,727,000 | 16,884,000 | 16,765,000 |
| Risk-weighted assets | 84,805,000 | 83,396,000 | 84,193,000 | 85,842,000 |