Call reports 2013
CITIZENS STATE BANK, GANADO, TEXAS — 2013
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 63,674,000 | 60,964,000 | 60,539,000 | 60,861,000 |
| Total loans | 6,389,000 | 6,574,000 | 7,177,000 | 6,462,000 |
| Allowance for loan losses | 136,000 | 136,000 | 136,000 | 136,000 |
| Securities available for sale | 48,529,000 | 47,108,000 | 41,906,000 | 44,916,000 |
| Securities held to maturity | 181,000 | 177,000 | 174,000 | 171,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,435,000 | 56,952,000 | 57,511,000 | 57,935,000 |
| Interest-bearing deposits | 36,638,000 | 37,205,000 | 37,143,000 | 37,798,000 |
| Noninterest-bearing deposits | 21,797,000 | 19,747,000 | 20,368,000 | 20,137,000 |
| Equity capital | 4,639,000 | 3,823,000 | 2,874,000 | 2,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 324,000 | 667,000 | 1,012,000 | 1,371,000 |
| Interest expense | 55,000 | 110,000 | 166,000 | 222,000 |
| Net interest income | 269,000 | 557,000 | 846,000 | 1,149,000 |
| Noninterest income | 48,000 | 101,000 | 150,000 | 207,000 |
| Noninterest expense | 391,000 | 750,000 | 1,115,000 | 1,464,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -37,000 | -55,000 | -72,000 | -61,000 |
| Income tax | -13,000 | -20,000 | -26,000 | -23,000 |
| Net income | -24,000 | -35,000 | -46,000 | -38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,148,000 | 4,136,000 | 4,126,000 | 4,133,000 |
| Total capital | 4,284,000 | 4,272,000 | 4,262,000 | 4,269,000 |
| Risk-weighted assets | 15,268,000 | 15,595,000 | 16,081,000 | 15,973,000 |