Call reports 2004
CITIZENS STATE BANK, GANADO, TEXAS — 2004
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 41,649,000 | 40,605,000 | 42,095,000 | 43,825,000 |
| Total loans | 7,696,000 | 7,864,000 | 8,034,000 | 8,089,000 |
| Allowance for loan losses | 217,000 | 219,000 | 200,000 | 195,000 |
| Securities available for sale | 23,698,000 | 23,697,000 | 24,541,000 | 28,390,000 |
| Securities held to maturity | 3,302,000 | 2,892,000 | 1,566,000 | 1,466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,434,000 | 38,279,000 | 38,927,000 | 40,687,000 |
| Interest-bearing deposits | 28,563,000 | 28,749,000 | 28,842,000 | 30,279,000 |
| Noninterest-bearing deposits | 9,871,000 | 9,530,000 | 10,085,000 | 10,408,000 |
| Equity capital | 2,883,000 | 2,202,000 | 2,906,000 | 2,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 455,000 | 922,000 | 1,372,000 | 1,848,000 |
| Interest expense | 83,000 | 158,000 | 231,000 | 318,000 |
| Net interest income | 372,000 | 764,000 | 1,141,000 | 1,530,000 |
| Noninterest income | 67,000 | 146,000 | 222,000 | 295,000 |
| Noninterest expense | 271,000 | 560,000 | 888,000 | 1,232,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 168,000 | 350,000 | 498,000 | 616,000 |
| Income tax | 56,000 | 117,000 | 166,000 | 204,000 |
| Net income | 112,000 | 233,000 | 332,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,717,000 | 2,838,000 | 2,936,000 | 3,017,000 |
| Total capital | 2,883,000 | 3,011,000 | 3,111,000 | 3,197,000 |
| Risk-weighted assets | 13,216,000 | 13,778,000 | 13,972,000 | 14,308,000 |
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