Call reports 2013
CITIZENS NATIONAL BANK AT BROWNWOOD — 2013
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 189,356,000 | 187,377,000 | 190,640,000 | 193,787,000 |
| Total loans | 107,531,000 | 106,098,000 | 107,405,000 | 111,878,000 |
| Allowance for loan losses | 1,998,000 | 1,997,000 | 1,928,000 | 1,682,000 |
| Securities available for sale | 23,671,000 | 22,922,000 | 22,272,000 | 20,494,000 |
| Securities held to maturity | 9,810,000 | 16,621,000 | 17,408,000 | 17,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,937,000 | 162,848,000 | 165,899,000 | 169,093,000 |
| Interest-bearing deposits | 103,436,000 | 103,925,000 | 101,548,000 | 105,203,000 |
| Noninterest-bearing deposits | 61,501,000 | 58,923,000 | 64,351,000 | 63,890,000 |
| Equity capital | 23,128,000 | 23,174,000 | 23,308,000 | 23,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,691,000 | 3,375,000 | 5,049,000 | 6,767,000 |
| Interest expense | 98,000 | 190,000 | 276,000 | 356,000 |
| Net interest income | 1,593,000 | 3,185,000 | 4,773,000 | 6,411,000 |
| Noninterest income | 360,000 | 757,000 | 1,116,000 | 1,558,000 |
| Noninterest expense | 1,128,000 | 2,263,000 | 3,352,000 | 4,547,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 825,000 | 1,679,000 | 2,537,000 | 3,347,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 825,000 | 1,679,000 | 2,537,000 | 3,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,751,000 | 22,961,000 | 23,138,000 | 23,270,000 |
| Total capital | 24,298,000 | 24,485,000 | 24,673,000 | 24,861,000 |
| Risk-weighted assets | 123,314,000 | 121,451,000 | 122,439,000 | 127,203,000 |