Call reports 2012
CITIZENS NATIONAL BANK AT BROWNWOOD — 2012
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 179,105,000 | 181,937,000 | 182,453,000 | 196,623,000 |
| Total loans | 114,577,000 | 111,691,000 | 109,028,000 | 109,532,000 |
| Allowance for loan losses | 1,838,000 | 1,903,000 | 1,940,000 | 1,996,000 |
| Securities available for sale | 24,919,000 | 26,173,000 | 21,433,000 | 22,458,000 |
| Securities held to maturity | 6,716,000 | 10,264,000 | 10,245,000 | 10,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,836,000 | 157,510,000 | 157,846,000 | 172,286,000 |
| Interest-bearing deposits | 100,144,000 | 101,535,000 | 102,467,000 | 107,101,000 |
| Noninterest-bearing deposits | 54,692,000 | 55,975,000 | 55,379,000 | 65,185,000 |
| Equity capital | 22,952,000 | 23,070,000 | 23,180,000 | 23,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,839,000 | 3,644,000 | 5,371,000 | 7,094,000 |
| Interest expense | 139,000 | 267,000 | 377,000 | 482,000 |
| Net interest income | 1,700,000 | 3,377,000 | 4,994,000 | 6,612,000 |
| Noninterest income | 347,000 | 707,000 | 1,107,000 | 1,595,000 |
| Noninterest expense | 1,081,000 | 2,156,000 | 3,265,000 | 4,464,000 |
| Provision for loan losses | 53,000 | 93,000 | 153,000 | 213,000 |
| Pretax income | 913,000 | 1,835,000 | 2,683,000 | 3,530,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 913,000 | 1,835,000 | 2,683,000 | 3,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,209,000 | 22,341,000 | 22,438,000 | 22,570,000 |
| Total capital | 23,795,000 | 23,913,000 | 23,982,000 | 24,148,000 |
| Risk-weighted assets | 126,647,000 | 125,424,000 | 123,157,000 | 125,840,000 |