Call reports 2016
CITIZENS STATE BANK, GANADO, TEXAS — 2016
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 62,254,000 | 61,384,000 | 61,524,000 | 59,523,000 |
| Total loans | 8,462,000 | 9,267,000 | 10,192,000 | 10,611,000 |
| Allowance for loan losses | 131,000 | 133,000 | 133,000 | 133,000 |
| Securities available for sale | 45,511,000 | 40,992,000 | 36,415,000 | 39,379,000 |
| Securities held to maturity | 95,000 | 94,000 | 94,000 | 93,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,043,000 | 56,011,000 | 56,290,000 | 55,026,000 |
| Interest-bearing deposits | 40,809,000 | 40,573,000 | 39,946,000 | 38,089,000 |
| Noninterest-bearing deposits | 17,234,000 | 15,438,000 | 16,344,000 | 16,937,000 |
| Equity capital | 3,938,000 | 4,967,000 | 4,878,000 | 4,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 362,000 | 696,000 | 989,000 | 1,298,000 |
| Interest expense | 49,000 | 96,000 | 144,000 | 191,000 |
| Net interest income | 313,000 | 600,000 | 845,000 | 1,107,000 |
| Noninterest income | 59,000 | 110,000 | 161,000 | 208,000 |
| Noninterest expense | 397,000 | 781,000 | 1,181,000 | 1,579,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -25,000 | -57,000 | -159,000 | -244,000 |
| Income tax | -10,000 | -23,000 | -60,000 | -92,000 |
| Net income | -15,000 | -34,000 | -99,000 | -152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,018,000 | 4,798,000 | 4,734,000 | 4,806,000 |
| Total capital | 4,149,000 | 4,931,000 | 4,867,000 | 4,939,000 |
| Risk-weighted assets | 20,489,000 | 20,338,000 | 19,716,000 | 20,161,000 |