Call reports 2007
CITIZENS NATIONAL BANK AT BROWNWOOD — 2007
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 162,344,000 | 159,648,000 | 166,550,000 | 171,957,000 |
| Total loans | 103,998,000 | 99,852,000 | 101,413,000 | 103,237,000 |
| Allowance for loan losses | 1,021,000 | 1,010,000 | 573,000 | 650,000 |
| Securities available for sale | 29,527,000 | 33,999,000 | 38,742,000 | 40,213,000 |
| Securities held to maturity | 1,243,000 | 1,243,000 | 1,787,000 | 1,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,554,000 | 139,000,000 | 144,878,000 | 150,100,000 |
| Interest-bearing deposits | 99,264,000 | 95,348,000 | 99,699,000 | 106,027,000 |
| Noninterest-bearing deposits | 42,290,000 | 43,652,000 | 45,179,000 | 44,073,000 |
| Equity capital | 18,842,000 | 18,791,000 | 19,559,000 | 19,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,670,000 | 5,382,000 | 8,130,000 | 10,932,000 |
| Interest expense | 730,000 | 1,493,000 | 2,268,000 | 3,063,000 |
| Net interest income | 1,940,000 | 3,889,000 | 5,862,000 | 7,869,000 |
| Noninterest income | 319,000 | 681,000 | 1,000,000 | 1,388,000 |
| Noninterest expense | 961,000 | 1,952,000 | 2,974,000 | 4,144,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 120,000 |
| Pretax income | 1,298,000 | 2,618,000 | 3,873,000 | 4,993,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,298,000 | 2,618,000 | 3,873,000 | 4,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,863,000 | 19,109,000 | 19,292,000 | 19,342,000 |
| Total capital | 19,884,000 | 20,119,000 | 19,865,000 | 19,992,000 |
| Risk-weighted assets | 116,957,000 | 113,932,000 | 116,007,000 | 118,325,000 |