Call reports 2010
CITIZENS NATIONAL BANK AT BROWNWOOD — 2010
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 171,697,000 | 177,346,000 | 181,956,000 | 188,355,000 |
| Total loans | 109,474,000 | 111,659,000 | 114,864,000 | 122,286,000 |
| Allowance for loan losses | 1,300,000 | 1,303,000 | 1,343,000 | 1,953,000 |
| Securities available for sale | 38,537,000 | 20,215,000 | 16,883,000 | 19,882,000 |
| Securities held to maturity | 4,982,000 | 4,981,000 | 4,980,000 | 6,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,415,000 | 153,199,000 | 158,585,000 | 163,787,000 |
| Interest-bearing deposits | 106,235,000 | 106,658,000 | 112,250,000 | 117,362,000 |
| Noninterest-bearing deposits | 42,180,000 | 46,541,000 | 46,335,000 | 46,425,000 |
| Equity capital | 21,888,000 | 22,725,000 | 21,876,000 | 21,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,038,000 | 4,047,000 | 5,961,000 | 7,920,000 |
| Interest expense | 248,000 | 482,000 | 704,000 | 908,000 |
| Net interest income | 1,790,000 | 3,565,000 | 5,257,000 | 7,012,000 |
| Noninterest income | 329,000 | 664,000 | 1,033,000 | 1,299,000 |
| Noninterest expense | 1,101,000 | 2,193,000 | 3,312,000 | 4,681,000 |
| Provision for loan losses | 0 | 80,000 | 125,000 | 775,000 |
| Pretax income | 1,018,000 | 1,956,000 | 2,853,000 | 2,855,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,018,000 | 1,956,000 | 2,853,000 | 2,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,540,000 | 21,479,000 | 20,772,000 | 20,779,000 |
| Total capital | 21,840,000 | 22,782,000 | 22,115,000 | 22,490,000 |
| Risk-weighted assets | 123,396,000 | 125,301,000 | 129,546,000 | 136,667,000 |