Call reports 2009
CITIZENS NATIONAL BANK AT BROWNWOOD — 2009
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 180,120,000 | 179,030,000 | 174,679,000 | 181,923,000 |
| Total loans | 98,999,000 | 100,783,000 | 105,589,000 | 109,627,000 |
| Allowance for loan losses | 771,000 | 1,132,000 | 900,000 | 1,299,000 |
| Securities available for sale | 43,870,000 | 42,042,000 | 43,237,000 | 39,038,000 |
| Securities held to maturity | 2,638,000 | 3,566,000 | 4,983,000 | 4,982,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,011,000 | 155,796,000 | 150,323,000 | 158,724,000 |
| Interest-bearing deposits | 106,086,000 | 109,924,000 | 107,555,000 | 114,493,000 |
| Noninterest-bearing deposits | 49,925,000 | 45,872,000 | 42,768,000 | 44,231,000 |
| Equity capital | 22,465,000 | 21,581,000 | 22,613,000 | 21,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,101,000 | 4,159,000 | 6,195,000 | 8,228,000 |
| Interest expense | 390,000 | 729,000 | 1,039,000 | 1,320,000 |
| Net interest income | 1,711,000 | 3,430,000 | 5,156,000 | 6,908,000 |
| Noninterest income | 325,000 | 659,000 | 961,000 | 1,312,000 |
| Noninterest expense | 1,080,000 | 2,137,000 | 3,308,000 | 4,547,000 |
| Provision for loan losses | 65,000 | 65,000 | 115,000 | 593,000 |
| Pretax income | 891,000 | 1,887,000 | 2,694,000 | 3,080,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 891,000 | 1,887,000 | 2,694,000 | 3,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,945,000 | 20,365,000 | 21,174,000 | 20,412,000 |
| Total capital | 21,716,000 | 21,497,000 | 22,074,000 | 21,711,000 |
| Risk-weighted assets | 116,830,000 | 117,857,000 | 120,686,000 | 125,953,000 |