Call reports 2005
CITIZENS STATE BANK, GANADO, TEXAS — 2005
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 43,616,000 | 42,700,000 | 44,054,000 | 43,950,000 |
| Total loans | 7,999,000 | 7,842,000 | 7,439,000 | 7,320,000 |
| Allowance for loan losses | 200,000 | 201,000 | 201,000 | 201,000 |
| Securities available for sale | 30,455,000 | 27,987,000 | 27,981,000 | 28,777,000 |
| Securities held to maturity | 1,370,000 | 1,437,000 | 1,379,000 | 1,324,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,997,000 | 39,622,000 | 41,109,000 | 41,243,000 |
| Interest-bearing deposits | 30,206,000 | 29,001,000 | 29,267,000 | 30,048,000 |
| Noninterest-bearing deposits | 10,791,000 | 10,621,000 | 11,842,000 | 11,195,000 |
| Equity capital | 2,471,000 | 2,819,000 | 2,748,000 | 2,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 497,000 | 982,000 | 1,466,000 | 1,957,000 |
| Interest expense | 99,000 | 207,000 | 324,000 | 468,000 |
| Net interest income | 398,000 | 775,000 | 1,142,000 | 1,489,000 |
| Noninterest income | 76,000 | 146,000 | 227,000 | 296,000 |
| Noninterest expense | 324,000 | 633,000 | 951,000 | 1,239,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 150,000 | 292,000 | 423,000 | 551,000 |
| Income tax | 50,000 | 97,000 | 139,000 | 167,000 |
| Net income | 100,000 | 195,000 | 284,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,767,000 | 2,862,000 | 2,951,000 | 2,950,000 |
| Total capital | 2,944,000 | 3,034,000 | 3,125,000 | 3,126,000 |
| Risk-weighted assets | 14,112,000 | 13,771,000 | 13,892,000 | 14,038,000 |
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