Call reports 2019
CITIZENS NATIONAL BANK AT BROWNWOOD — 2019
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 211,763,000 | 213,585,000 | 215,474,000 | 226,577,000 |
| Total loans | 108,066,000 | 107,229,000 | 105,853,000 | 106,176,000 |
| Allowance for loan losses | 1,735,000 | 1,695,000 | 1,655,000 | 1,815,000 |
| Securities available for sale | 49,337,000 | 67,507,000 | 61,333,000 | 74,608,000 |
| Securities held to maturity | 17,683,000 | 18,416,000 | 17,729,000 | 19,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,318,000 | 184,924,000 | 186,351,000 | 197,506,000 |
| Interest-bearing deposits | 100,262,000 | 102,942,000 | 103,189,000 | 113,694,000 |
| Noninterest-bearing deposits | 83,056,000 | 81,982,000 | 83,162,000 | 83,812,000 |
| Equity capital | 27,330,000 | 27,490,000 | 27,847,000 | 27,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,117,000 | 4,244,000 | 6,429,000 | 8,627,000 |
| Interest expense | 124,000 | 246,000 | 380,000 | 519,000 |
| Net interest income | 1,993,000 | 3,998,000 | 6,049,000 | 8,108,000 |
| Noninterest income | 2,518,000 | 2,882,000 | 3,273,000 | 3,692,000 |
| Noninterest expense | 1,256,000 | 2,622,000 | 3,900,000 | 5,267,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 3,180,000 | 4,108,000 | 5,272,000 | 6,383,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,180,000 | 4,108,000 | 5,272,000 | 6,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,534,000 | 27,209,000 | 27,582,000 | 27,727,000 |
| Total capital | 29,040,000 | 28,721,000 | 29,106,000 | 29,239,000 |
| Risk-weighted assets | 120,257,000 | 120,805,000 | 121,829,000 | 120,695,000 |