Call reports 2004
CITIZENS NATIONAL BANK AT BROWNWOOD — 2004
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 133,251,000 | 130,817,000 | 137,666,000 | 141,849,000 |
| Total loans | 74,097,000 | 73,430,000 | 76,807,000 | 85,010,000 |
| Allowance for loan losses | 790,000 | 787,000 | 641,000 | 714,000 |
| Securities available for sale | 41,633,000 | 32,891,000 | 30,144,000 | 33,505,000 |
| Securities held to maturity | 440,000 | 440,000 | 340,000 | 340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,678,000 | 113,413,000 | 119,886,000 | 124,288,000 |
| Interest-bearing deposits | 82,715,000 | 81,517,000 | 86,369,000 | 89,797,000 |
| Noninterest-bearing deposits | 32,963,000 | 31,896,000 | 33,517,000 | 34,491,000 |
| Equity capital | 16,342,000 | 16,105,000 | 16,430,000 | 16,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,463,000 | 2,919,000 | 4,436,000 | 6,078,000 |
| Interest expense | 256,000 | 501,000 | 748,000 | 1,024,000 |
| Net interest income | 1,207,000 | 2,418,000 | 3,688,000 | 5,054,000 |
| Noninterest income | 365,000 | 709,000 | 1,084,000 | 1,485,000 |
| Noninterest expense | 839,000 | 1,694,000 | 2,570,000 | 3,545,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 733,000 | 1,433,000 | 2,202,000 | 2,894,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 733,000 | 1,433,000 | 2,202,000 | 2,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,060,000 | 16,227,000 | 16,309,000 | 16,322,000 |
| Total capital | 16,850,000 | 17,014,000 | 16,950,000 | 17,036,000 |
| Risk-weighted assets | 86,382,000 | 85,471,000 | 89,198,000 | 96,380,000 |