Call reports 2008
CITIZENS STATE BANK, GANADO, TEXAS — 2008
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,219,000 | 55,570,000 | 56,984,000 | 58,497,000 |
| Total loans | 8,704,000 | 9,106,000 | 8,786,000 | 8,471,000 |
| Allowance for loan losses | 189,000 | 189,000 | 132,000 | 132,000 |
| Securities available for sale | 32,965,000 | 32,308,000 | 38,050,000 | 41,168,000 |
| Securities held to maturity | 790,000 | 759,000 | 730,000 | 707,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,282,000 | 52,312,000 | 53,400,000 | 53,895,000 |
| Interest-bearing deposits | 36,230,000 | 36,062,000 | 37,405,000 | 36,845,000 |
| Noninterest-bearing deposits | 14,052,000 | 16,250,000 | 15,995,000 | 17,050,000 |
| Equity capital | 3,603,000 | 2,956,000 | 3,322,000 | 4,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 643,000 | 1,250,000 | 1,880,000 | 2,521,000 |
| Interest expense | 281,000 | 542,000 | 780,000 | 991,000 |
| Net interest income | 362,000 | 708,000 | 1,100,000 | 1,530,000 |
| Noninterest income | 68,000 | 135,000 | 204,000 | 271,000 |
| Noninterest expense | 349,000 | 734,000 | 1,186,000 | 1,711,000 |
| Provision for loan losses | 0 | 0 | -57,000 | -57,000 |
| Pretax income | 81,000 | 109,000 | 175,000 | 147,000 |
| Income tax | 27,000 | 36,000 | 57,000 | 39,000 |
| Net income | 54,000 | 73,000 | 118,000 | 108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,534,000 | 3,503,000 | 3,548,000 | 3,488,000 |
| Total capital | 3,723,000 | 3,692,000 | 3,680,000 | 3,620,000 |
| Risk-weighted assets | 16,176,000 | 17,182,000 | 16,595,000 | 16,954,000 |
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