Call reports 2020
CITIZENS NATIONAL BANK AT BROWNWOOD — 2020
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 218,240,000 | 237,239,000 | 238,013,000 | 249,120,000 |
| Total loans | 106,910,000 | 105,827,000 | 107,380,000 | 97,772,000 |
| Allowance for loan losses | 1,833,000 | 1,834,000 | 1,871,000 | 1,954,000 |
| Securities available for sale | 78,860,000 | 70,721,000 | 75,209,000 | 75,549,000 |
| Securities held to maturity | 17,183,000 | 20,382,000 | 27,302,000 | 37,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,136,000 | 207,225,000 | 207,873,000 | 219,224,000 |
| Interest-bearing deposits | 100,984,000 | 111,198,000 | 113,938,000 | 124,057,000 |
| Noninterest-bearing deposits | 87,152,000 | 96,027,000 | 93,935,000 | 95,167,000 |
| Equity capital | 28,973,000 | 28,801,000 | 28,862,000 | 28,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,214,000 | 4,159,000 | 5,969,000 | 7,890,000 |
| Interest expense | 130,000 | 227,000 | 308,000 | 391,000 |
| Net interest income | 2,084,000 | 3,932,000 | 5,661,000 | 7,499,000 |
| Noninterest income | 411,000 | 721,000 | 1,140,000 | 1,593,000 |
| Noninterest expense | 1,370,000 | 2,652,000 | 3,947,000 | 5,261,000 |
| Provision for loan losses | 15,000 | 60,000 | 105,000 | 255,000 |
| Pretax income | 1,110,000 | 1,941,000 | 2,753,000 | 3,580,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,110,000 | 1,941,000 | 2,753,000 | 3,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,906,000 | 27,806,000 | 27,897,000 | 28,045,000 |
| Total capital | 29,397,000 | 29,292,000 | 29,434,000 | 29,544,000 |
| Risk-weighted assets | 118,982,000 | 118,585,000 | 122,705,000 | 119,509,000 |