Call reports 2014
CITIZENS NATIONAL BANK AT BROWNWOOD — 2014
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 190,223,000 | 194,372,000 | 198,161,000 | 200,096,000 |
| Total loans | 109,698,000 | 108,304,000 | 115,537,000 | 117,662,000 |
| Allowance for loan losses | 1,749,000 | 1,831,000 | 1,680,000 | 1,717,000 |
| Securities available for sale | 20,184,000 | 24,746,000 | 29,264,000 | 30,773,000 |
| Securities held to maturity | 18,117,000 | 17,822,000 | 24,767,000 | 24,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,246,000 | 169,191,000 | 172,738,000 | 174,610,000 |
| Interest-bearing deposits | 103,218,000 | 104,014,000 | 104,689,000 | 108,195,000 |
| Noninterest-bearing deposits | 62,028,000 | 65,177,000 | 68,049,000 | 66,415,000 |
| Equity capital | 23,705,000 | 23,819,000 | 23,983,000 | 24,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,710,000 | 3,394,000 | 5,150,000 | 7,022,000 |
| Interest expense | 73,000 | 142,000 | 209,000 | 274,000 |
| Net interest income | 1,637,000 | 3,252,000 | 4,941,000 | 6,748,000 |
| Noninterest income | 379,000 | 717,000 | 1,071,000 | 1,357,000 |
| Noninterest expense | 1,126,000 | 2,220,000 | 3,335,000 | 4,439,000 |
| Provision for loan losses | 75,000 | 150,000 | 325,000 | 500,000 |
| Pretax income | 815,000 | 1,599,000 | 2,352,000 | 3,166,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 815,000 | 1,599,000 | 2,352,000 | 3,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,475,000 | 23,546,000 | 23,754,000 | 24,008,000 |
| Total capital | 25,052,000 | 25,105,000 | 25,393,000 | 25,642,000 |
| Risk-weighted assets | 125,976,000 | 124,438,000 | 131,116,000 | 130,660,000 |