Call reports 2010
CITIZENS STATE BANK, GANADO, TEXAS — 2010
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 56,605,000 | 57,100,000 | 59,476,000 | 59,358,000 |
| Total loans | 9,180,000 | 9,904,000 | 8,704,000 | 8,497,000 |
| Allowance for loan losses | 134,000 | 134,000 | 135,000 | 136,000 |
| Securities available for sale | 37,689,000 | 39,218,000 | 36,956,000 | 41,992,000 |
| Securities held to maturity | 459,000 | 447,000 | 435,000 | 423,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,688,000 | 51,719,000 | 54,105,000 | 54,480,000 |
| Interest-bearing deposits | 39,775,000 | 39,741,000 | 41,095,000 | 40,810,000 |
| Noninterest-bearing deposits | 11,913,000 | 11,979,000 | 13,010,000 | 13,670,000 |
| Equity capital | 4,317,000 | 4,630,000 | 4,600,000 | 4,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 543,000 | 1,081,000 | 1,598,000 | 2,068,000 |
| Interest expense | 124,000 | 238,000 | 351,000 | 458,000 |
| Net interest income | 419,000 | 843,000 | 1,247,000 | 1,610,000 |
| Noninterest income | 57,000 | 117,000 | 171,000 | 228,000 |
| Noninterest expense | 403,000 | 808,000 | 1,206,000 | 1,601,000 |
| Provision for loan losses | 2,000 | 4,000 | 7,000 | 7,000 |
| Pretax income | 71,000 | 148,000 | 205,000 | 230,000 |
| Income tax | 22,000 | 43,000 | 59,000 | 66,000 |
| Net income | 49,000 | 105,000 | 146,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,589,000 | 3,646,000 | 3,686,000 | 3,704,000 |
| Total capital | 3,723,000 | 3,780,000 | 3,822,000 | 3,840,000 |
| Risk-weighted assets | 16,676,000 | 16,659,000 | 16,001,000 | 15,943,000 |