Call reports 2005
CITIZENS NATIONAL BANK AT BROWNWOOD — 2005
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 143,648,000 | 141,997,000 | 145,150,000 | 145,117,000 |
| Total loans | 87,939,000 | 95,279,000 | 96,315,000 | 97,072,000 |
| Allowance for loan losses | 760,000 | 827,000 | 873,000 | 919,000 |
| Securities available for sale | 32,524,000 | 30,720,000 | 27,737,000 | 25,066,000 |
| Securities held to maturity | 275,000 | 275,000 | 275,000 | 275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,050,000 | 124,013,000 | 126,752,000 | 126,656,000 |
| Interest-bearing deposits | 89,136,000 | 87,990,000 | 91,152,000 | 90,850,000 |
| Noninterest-bearing deposits | 36,914,000 | 36,023,000 | 35,600,000 | 35,806,000 |
| Equity capital | 16,296,000 | 16,596,000 | 16,898,000 | 17,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,743,000 | 3,562,000 | 5,482,000 | 7,530,000 |
| Interest expense | 295,000 | 614,000 | 972,000 | 1,393,000 |
| Net interest income | 1,448,000 | 2,948,000 | 4,510,000 | 6,137,000 |
| Noninterest income | 389,000 | 751,000 | 1,096,000 | 1,427,000 |
| Noninterest expense | 856,000 | 1,717,000 | 2,592,000 | 3,601,000 |
| Provision for loan losses | 50,000 | 110,000 | 170,000 | 215,000 |
| Pretax income | 931,000 | 1,872,000 | 2,844,000 | 3,748,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 931,000 | 1,872,000 | 2,844,000 | 3,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,511,000 | 16,821,000 | 17,155,000 | 17,345,000 |
| Total capital | 17,271,000 | 17,648,000 | 18,028,000 | 18,264,000 |
| Risk-weighted assets | 99,416,000 | 104,952,000 | 106,677,000 | 107,664,000 |