Call reports 2017
CITIZENS STATE BANK, GANADO, TEXAS — 2017
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 59,213,000 | 57,563,000 | 56,319,000 | 56,690,000 |
| Total loans | 10,443,000 | 10,211,000 | 10,433,000 | 10,855,000 |
| Allowance for loan losses | 133,000 | 133,000 | 133,000 | 130,000 |
| Securities available for sale | 40,359,000 | 39,008,000 | 37,008,000 | 35,581,000 |
| Securities held to maturity | 70,000 | 70,000 | 70,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,698,000 | 52,834,000 | 51,689,000 | 52,496,000 |
| Interest-bearing deposits | 38,238,000 | 37,658,000 | 36,332,000 | 36,581,000 |
| Noninterest-bearing deposits | 16,460,000 | 15,177,000 | 15,357,000 | 15,915,000 |
| Equity capital | 4,330,000 | 4,564,000 | 4,474,000 | 4,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 320,000 | 664,000 | 980,000 | 1,320,000 |
| Interest expense | 49,000 | 99,000 | 149,000 | 201,000 |
| Net interest income | 271,000 | 565,000 | 831,000 | 1,119,000 |
| Noninterest income | 50,000 | 91,000 | 136,000 | 178,000 |
| Noninterest expense | 419,000 | 784,000 | 1,183,000 | 1,575,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -98,000 | -128,000 | -177,000 | -239,000 |
| Income tax | -36,000 | -53,000 | -76,000 | -84,000 |
| Net income | -62,000 | -75,000 | -101,000 | -155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,743,000 | 4,730,000 | 4,694,000 | 4,631,000 |
| Total capital | 4,876,000 | 4,863,000 | 4,827,000 | 4,761,000 |
| Risk-weighted assets | 20,162,000 | 19,424,000 | 20,176,000 | 21,155,000 |