Call reports 2014
CITIZENS STATE BANK, GANADO, TEXAS — 2014
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 62,129,000 | 61,196,000 | 61,363,000 | 62,100,000 |
| Total loans | 6,667,000 | 6,857,000 | 6,807,000 | 7,527,000 |
| Allowance for loan losses | 136,000 | 136,000 | 133,000 | 133,000 |
| Securities available for sale | 46,180,000 | 45,882,000 | 45,899,000 | 46,314,000 |
| Securities held to maturity | 150,000 | 148,000 | 147,000 | 145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,794,000 | 57,525,000 | 57,641,000 | 57,890,000 |
| Interest-bearing deposits | 39,064,000 | 38,474,000 | 41,892,000 | 41,958,000 |
| Noninterest-bearing deposits | 19,730,000 | 19,051,000 | 15,750,000 | 15,932,000 |
| Equity capital | 3,177,000 | 3,507,000 | 3,564,000 | 3,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 363,000 | 717,000 | 1,067,000 | 1,429,000 |
| Interest expense | 56,000 | 112,000 | 168,000 | 223,000 |
| Net interest income | 307,000 | 605,000 | 899,000 | 1,206,000 |
| Noninterest income | 49,000 | 95,000 | 144,000 | 193,000 |
| Noninterest expense | 363,000 | 720,000 | 1,091,000 | 1,460,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -7,000 | -20,000 | -48,000 | -58,000 |
| Income tax | -3,000 | -8,000 | -19,000 | -23,000 |
| Net income | -4,000 | -12,000 | -29,000 | -35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,129,000 | 4,121,000 | 4,103,000 | 4,098,000 |
| Total capital | 4,265,000 | 4,257,000 | 4,236,000 | 4,231,000 |
| Risk-weighted assets | 16,176,000 | 16,063,000 | 16,127,000 | 16,599,000 |