Call reports 2011
CITIZENS STATE BANK, GANADO, TEXAS — 2011
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 59,000,000 | 59,942,000 | 60,085,000 | 60,636,000 |
| Total loans | 7,602,000 | 7,225,000 | 6,500,000 | 6,359,000 |
| Allowance for loan losses | 136,000 | 136,000 | 136,000 | 136,000 |
| Securities available for sale | 42,867,000 | 43,310,000 | 44,409,000 | 44,119,000 |
| Securities held to maturity | 357,000 | 348,000 | 338,000 | 330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,838,000 | 54,207,000 | 54,076,000 | 54,745,000 |
| Interest-bearing deposits | 38,377,000 | 38,701,000 | 37,533,000 | 37,779,000 |
| Noninterest-bearing deposits | 15,461,000 | 15,506,000 | 16,543,000 | 16,966,000 |
| Equity capital | 4,507,000 | 4,878,000 | 5,079,000 | 4,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 469,000 | 959,000 | 1,430,000 | 1,850,000 |
| Interest expense | 89,000 | 172,000 | 249,000 | 315,000 |
| Net interest income | 380,000 | 787,000 | 1,181,000 | 1,535,000 |
| Noninterest income | 357,000 | 425,000 | 490,000 | 565,000 |
| Noninterest expense | 415,000 | 803,000 | 1,184,000 | 1,541,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 322,000 | 409,000 | 554,000 | 737,000 |
| Income tax | 108,000 | 135,000 | 183,000 | 244,000 |
| Net income | 214,000 | 274,000 | 371,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,918,000 | 3,908,000 | 4,005,000 | 4,127,000 |
| Total capital | 4,054,000 | 4,044,000 | 4,141,000 | 4,263,000 |
| Risk-weighted assets | 14,180,000 | 13,395,000 | 12,755,000 | 13,065,000 |