Call reports 2009
CITIZENS STATE BANK, GANADO, TEXAS — 2009
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 54,467,000 | 54,187,000 | 54,932,000 | 56,862,000 |
| Total loans | 8,105,000 | 8,697,000 | 9,779,000 | 10,042,000 |
| Allowance for loan losses | 132,000 | 132,000 | 132,000 | 132,000 |
| Securities available for sale | 37,572,000 | 35,973,000 | 36,294,000 | 37,100,000 |
| Securities held to maturity | 639,000 | 619,000 | 597,000 | 561,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,838,000 | 49,828,000 | 50,098,000 | 52,145,000 |
| Interest-bearing deposits | 37,010,000 | 37,363,000 | 38,201,000 | 38,996,000 |
| Noninterest-bearing deposits | 12,829,000 | 12,465,000 | 11,897,000 | 13,149,000 |
| Equity capital | 4,087,000 | 3,857,000 | 4,208,000 | 4,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,207,000 | 1,781,000 | 2,359,000 |
| Interest expense | 169,000 | 324,000 | 469,000 | 607,000 |
| Net interest income | 454,000 | 883,000 | 1,312,000 | 1,752,000 |
| Noninterest income | 60,000 | 120,000 | 185,000 | 242,000 |
| Noninterest expense | 511,000 | 977,000 | 1,403,000 | 1,855,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,000 | 26,000 | 94,000 | 139,000 |
| Income tax | 0 | 3,000 | 24,000 | 37,000 |
| Net income | 3,000 | 23,000 | 70,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,491,000 | 3,510,000 | 3,557,000 | 3,590,000 |
| Total capital | 3,623,000 | 3,642,000 | 3,689,000 | 3,722,000 |
| Risk-weighted assets | 16,120,000 | 16,714,000 | 17,911,000 | 18,019,000 |
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