Call reports 2011
CITIZENS NATIONAL BANK AT BROWNWOOD — 2011
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 182,043,000 | 183,356,000 | 180,470,000 | 182,286,000 |
| Total loans | 119,020,000 | 110,763,000 | 113,963,000 | 114,225,000 |
| Allowance for loan losses | 1,991,000 | 1,841,000 | 1,910,000 | 1,770,000 |
| Securities available for sale | 22,684,000 | 22,981,000 | 22,282,000 | 19,498,000 |
| Securities held to maturity | 6,733,000 | 6,729,000 | 6,724,000 | 6,720,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,984,000 | 158,965,000 | 156,057,000 | 158,342,000 |
| Interest-bearing deposits | 104,825,000 | 103,171,000 | 101,890,000 | 104,905,000 |
| Noninterest-bearing deposits | 53,159,000 | 55,794,000 | 54,167,000 | 53,437,000 |
| Equity capital | 22,711,000 | 23,000,000 | 22,943,000 | 22,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,009,000 | 4,061,000 | 5,915,000 | 7,769,000 |
| Interest expense | 177,000 | 336,000 | 485,000 | 628,000 |
| Net interest income | 1,832,000 | 3,725,000 | 5,430,000 | 7,141,000 |
| Noninterest income | 386,000 | 736,000 | 1,035,000 | 1,432,000 |
| Noninterest expense | 1,097,000 | 2,187,000 | 3,274,000 | 4,390,000 |
| Provision for loan losses | 45,000 | 90,000 | 165,000 | 615,000 |
| Pretax income | 1,077,000 | 2,185,000 | 3,027,000 | 3,569,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,077,000 | 2,185,000 | 3,027,000 | 3,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,856,000 | 22,053,000 | 22,009,000 | 21,835,000 |
| Total capital | 23,518,000 | 23,630,000 | 23,607,000 | 23,441,000 |
| Risk-weighted assets | 132,602,000 | 125,903,000 | 127,498,000 | 128,276,000 |