Call reports 2008
CITIZENS NATIONAL BANK AT BROWNWOOD — 2008
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 171,037,000 | 170,742,000 | 171,249,000 | 191,431,000 |
| Total loans | 103,244,000 | 99,750,000 | 101,179,000 | 99,405,000 |
| Allowance for loan losses | 657,000 | 662,000 | 664,000 | 762,000 |
| Securities available for sale | 37,975,000 | 44,159,000 | 50,272,000 | 44,315,000 |
| Securities held to maturity | 1,717,000 | 2,296,000 | 2,296,000 | 2,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,392,000 | 148,967,000 | 148,509,000 | 168,540,000 |
| Interest-bearing deposits | 100,369,000 | 103,154,000 | 103,805,000 | 106,986,000 |
| Noninterest-bearing deposits | 47,023,000 | 45,813,000 | 44,704,000 | 61,554,000 |
| Equity capital | 21,782,000 | 19,945,000 | 20,829,000 | 21,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,617,000 | 5,026,000 | 7,536,000 | 9,821,000 |
| Interest expense | 723,000 | 1,350,000 | 1,931,000 | 2,414,000 |
| Net interest income | 1,894,000 | 3,676,000 | 5,605,000 | 7,407,000 |
| Noninterest income | 328,000 | 668,000 | 1,020,000 | 1,215,000 |
| Noninterest expense | 1,003,000 | 2,036,000 | 3,097,000 | 4,135,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 1,219,000 | 2,308,000 | 3,528,000 | 4,387,000 |
| Income tax | -19,000 | -19,000 | -19,000 | -19,000 |
| Net income | 1,238,000 | 2,327,000 | 3,547,000 | 4,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,579,000 | 19,665,000 | 19,952,000 | 20,056,000 |
| Total capital | 21,236,000 | 20,327,000 | 20,616,000 | 20,818,000 |
| Risk-weighted assets | 117,125,000 | 114,930,000 | 115,824,000 | 119,016,000 |