Call reports 2012
CITIZENS STATE BANK, GANADO, TEXAS — 2012
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 58,927,000 | 58,266,000 | 65,929,000 | 63,345,000 |
| Total loans | 6,221,000 | 5,569,000 | 5,795,000 | 6,545,000 |
| Allowance for loan losses | 136,000 | 136,000 | 136,000 | 136,000 |
| Securities available for sale | 43,754,000 | 43,618,000 | 47,565,000 | 47,500,000 |
| Securities held to maturity | 266,000 | 259,000 | 252,000 | 246,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,173,000 | 52,518,000 | 60,144,000 | 57,821,000 |
| Interest-bearing deposits | 35,020,000 | 34,849,000 | 35,257,000 | 35,638,000 |
| Noninterest-bearing deposits | 18,153,000 | 17,669,000 | 24,887,000 | 22,183,000 |
| Equity capital | 4,864,000 | 4,985,000 | 4,990,000 | 4,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 398,000 | 781,000 | 1,147,000 | 1,501,000 |
| Interest expense | 63,000 | 125,000 | 185,000 | 242,000 |
| Net interest income | 335,000 | 656,000 | 962,000 | 1,259,000 |
| Noninterest income | 60,000 | 127,000 | 181,000 | 238,000 |
| Noninterest expense | 345,000 | 701,000 | 1,045,000 | 1,405,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 50,000 | 82,000 | 98,000 | 92,000 |
| Income tax | 16,000 | 26,000 | 31,000 | 28,000 |
| Net income | 34,000 | 56,000 | 67,000 | 64,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,161,000 | 4,183,000 | 4,194,000 | 4,171,000 |
| Total capital | 4,297,000 | 4,319,000 | 4,330,000 | 4,307,000 |
| Risk-weighted assets | 13,895,000 | 13,956,000 | 15,749,000 | 15,675,000 |