Call reports 2018
CITIZENS STATE BANK, GANADO, TEXAS — 2018
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 54,975,000 | 53,601,000 | 53,148,000 | 55,733,000 |
| Total loans | 9,709,000 | 9,315,000 | 9,455,000 | 9,898,000 |
| Allowance for loan losses | 130,000 | 130,000 | 130,000 | 131,000 |
| Securities available for sale | 36,990,000 | 36,614,000 | 36,399,000 | 37,312,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,205,000 | 49,993,000 | 49,628,000 | 52,037,000 |
| Interest-bearing deposits | 35,192,000 | 34,034,000 | 33,979,000 | 33,435,000 |
| Noninterest-bearing deposits | 16,013,000 | 15,959,000 | 15,649,000 | 18,603,000 |
| Equity capital | 3,614,000 | 3,436,000 | 3,339,000 | 3,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 348,000 | 698,000 | 1,066,000 | 1,453,000 |
| Interest expense | 49,000 | 102,000 | 153,000 | 202,000 |
| Net interest income | 299,000 | 596,000 | 913,000 | 1,251,000 |
| Noninterest income | 45,000 | 90,000 | 136,000 | 186,000 |
| Noninterest expense | 405,000 | 813,000 | 1,221,000 | 1,618,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -61,000 | -127,000 | -175,000 | -185,000 |
| Income tax | -17,000 | -34,000 | -48,000 | -54,000 |
| Net income | -44,000 | -93,000 | -127,000 | -131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,570,000 | 4,503,000 | 4,457,000 | 4,471,000 |
| Total capital | 4,700,000 | 4,633,000 | 4,587,000 | 4,602,000 |
| Risk-weighted assets | 19,301,000 | 18,738,000 | 18,762,000 | 18,946,000 |