Call reports 2006
CITIZENS NATIONAL BANK AT BROWNWOOD — 2006
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 148,901,000 | 150,154,000 | 158,406,000 | 164,266,000 |
| Total loans | 95,802,000 | 101,466,000 | 103,491,000 | 105,260,000 |
| Allowance for loan losses | 933,000 | 936,000 | 954,000 | 969,000 |
| Securities available for sale | 26,714,000 | 25,961,000 | 24,706,000 | 38,077,000 |
| Securities held to maturity | 210,000 | 618,000 | 1,308,000 | 1,308,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,020,000 | 131,108,000 | 138,387,000 | 143,903,000 |
| Interest-bearing deposits | 91,347,000 | 90,783,000 | 96,366,000 | 101,066,000 |
| Noninterest-bearing deposits | 38,673,000 | 40,325,000 | 42,021,000 | 42,837,000 |
| Equity capital | 17,386,000 | 17,441,000 | 18,128,000 | 18,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,104,000 | 4,382,000 | 6,886,000 | 9,500,000 |
| Interest expense | 448,000 | 963,000 | 1,576,000 | 2,260,000 |
| Net interest income | 1,656,000 | 3,419,000 | 5,310,000 | 7,240,000 |
| Noninterest income | 338,000 | 650,000 | 956,000 | 1,266,000 |
| Noninterest expense | 877,000 | 1,773,000 | 2,692,000 | 3,703,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 1,117,000 | 2,310,000 | 3,587,000 | 4,801,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,117,000 | 2,310,000 | 3,587,000 | 4,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,600,000 | 17,896,000 | 18,284,000 | 18,601,000 |
| Total capital | 18,533,000 | 18,832,000 | 19,238,000 | 19,570,000 |
| Risk-weighted assets | 107,452,000 | 112,398,000 | 115,444,000 | 118,315,000 |