Call reports 2016
CITIZENS NATIONAL BANK AT BROWNWOOD — 2016
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 207,002,000 | 204,631,000 | 206,075,000 | 205,960,000 |
| Total loans | 117,042,000 | 111,329,000 | 117,437,000 | 118,736,000 |
| Allowance for loan losses | 1,380,000 | 1,571,000 | 1,579,000 | 1,634,000 |
| Securities available for sale | 35,868,000 | 34,353,000 | 41,686,000 | 38,744,000 |
| Securities held to maturity | 28,280,000 | 29,492,000 | 28,898,000 | 28,848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,439,000 | 177,936,000 | 178,910,000 | 179,479,000 |
| Interest-bearing deposits | 110,884,000 | 108,047,000 | 107,961,000 | 113,370,000 |
| Noninterest-bearing deposits | 69,555,000 | 69,889,000 | 70,949,000 | 66,109,000 |
| Equity capital | 25,399,000 | 25,434,000 | 25,811,000 | 25,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,863,000 | 3,724,000 | 5,548,000 | 7,449,000 |
| Interest expense | 67,000 | 132,000 | 200,000 | 268,000 |
| Net interest income | 1,796,000 | 3,592,000 | 5,348,000 | 7,181,000 |
| Noninterest income | 422,000 | 766,000 | 1,157,000 | 1,539,000 |
| Noninterest expense | 1,205,000 | 2,393,000 | 3,562,000 | 4,734,000 |
| Provision for loan losses | 150,000 | 400,000 | 650,000 | 1,000,000 |
| Pretax income | 863,000 | 1,565,000 | 2,293,000 | 2,988,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 863,000 | 1,565,000 | 2,293,000 | 2,988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,053,000 | 25,027,000 | 25,398,000 | 25,484,000 |
| Total capital | 26,433,000 | 26,598,000 | 26,977,000 | 27,118,000 |
| Risk-weighted assets | 131,443,000 | 129,256,000 | 132,295,000 | 131,181,000 |