Call reports 2015
CITIZENS STATE BANK, GANADO, TEXAS — 2015
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 63,522,000 | 61,652,000 | 63,480,000 | 63,387,000 |
| Total loans | 7,982,000 | 8,116,000 | 8,341,000 | 9,253,000 |
| Allowance for loan losses | 133,000 | 133,000 | 133,000 | 133,000 |
| Securities available for sale | 47,884,000 | 47,974,000 | 46,617,000 | 46,377,000 |
| Securities held to maturity | 124,000 | 123,000 | 122,000 | 121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,087,000 | 57,658,000 | 59,233,000 | 59,383,000 |
| Interest-bearing deposits | 42,558,000 | 41,759,000 | 41,914,000 | 41,320,000 |
| Noninterest-bearing deposits | 16,529,000 | 15,899,000 | 17,319,000 | 18,063,000 |
| Equity capital | 4,091,000 | 3,782,000 | 3,964,000 | 3,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 355,000 | 702,000 | 1,057,000 | 1,418,000 |
| Interest expense | 53,000 | 104,000 | 157,000 | 206,000 |
| Net interest income | 302,000 | 598,000 | 900,000 | 1,212,000 |
| Noninterest income | 52,000 | 102,000 | 155,000 | 206,000 |
| Noninterest expense | 370,000 | 754,000 | 1,137,000 | 1,524,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -16,000 | -54,000 | -82,000 | -106,000 |
| Income tax | -6,000 | -19,000 | -31,000 | -41,000 |
| Net income | -10,000 | -35,000 | -51,000 | -65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,088,000 | 4,063,000 | 4,046,000 | 4,032,000 |
| Total capital | 4,221,000 | 4,196,000 | 4,179,000 | 4,165,000 |
| Risk-weighted assets | 19,195,000 | 19,589,000 | 19,387,000 | 21,038,000 |