Call reports 2003
CITIZENS STATE BANK, GANADO, TEXAS — 2003
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,816,000 | 40,224,000 | 41,924,000 | 41,547,000 |
| Total loans | 8,133,000 | 8,206,000 | 7,919,000 | 7,838,000 |
| Allowance for loan losses | 224,000 | 219,000 | 218,000 | 218,000 |
| Securities available for sale | 15,559,000 | 15,199,000 | 14,730,000 | 21,916,000 |
| Securities held to maturity | 7,638,000 | 6,394,000 | 4,250,000 | 3,665,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,761,000 | 37,106,000 | 39,052,000 | 38,839,000 |
| Interest-bearing deposits | 29,416,000 | 28,737,000 | 29,322,000 | 28,903,000 |
| Noninterest-bearing deposits | 9,345,000 | 8,369,000 | 9,729,000 | 9,936,000 |
| Equity capital | 2,765,000 | 2,833,000 | 2,634,000 | 2,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 448,000 | 869,000 | 1,287,000 | 1,712,000 |
| Interest expense | 143,000 | 270,000 | 375,000 | 461,000 |
| Net interest income | 305,000 | 599,000 | 912,000 | 1,251,000 |
| Noninterest income | 84,000 | 181,000 | 261,000 | 361,000 |
| Noninterest expense | 282,000 | 570,000 | 892,000 | 1,195,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 107,000 | 265,000 | 336,000 | 472,000 |
| Income tax | 55,000 | 88,000 | 111,000 | 155,000 |
| Net income | 107,000 | 177,000 | 225,000 | 317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,644,000 | 2,713,000 | 2,662,000 | 2,604,000 |
| Total capital | 2,812,000 | 2,878,000 | 2,830,000 | 2,772,000 |
| Risk-weighted assets | 13,396,000 | 13,156,000 | 13,351,000 | 13,366,000 |
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