Call reports 2019
CITIZENS STATE BANK, GANADO, TEXAS — 2019
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 55,305,000 | 54,944,000 | 55,605,000 | 56,256,000 |
| Total loans | 9,778,000 | 9,343,000 | 9,429,000 | 8,959,000 |
| Allowance for loan losses | 131,000 | 131,000 | 126,000 | 122,000 |
| Securities available for sale | 37,309,000 | 36,755,000 | 37,084,000 | 39,671,000 |
| Securities held to maturity | 35,000 | 35,000 | 35,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,185,000 | 50,251,000 | 50,883,000 | 51,483,000 |
| Interest-bearing deposits | 33,729,000 | 33,078,000 | 33,240,000 | 32,791,000 |
| Noninterest-bearing deposits | 17,457,000 | 17,173,000 | 17,644,000 | 18,693,000 |
| Equity capital | 3,937,000 | 4,479,000 | 4,536,000 | 4,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 792,000 | 1,180,000 | 1,562,000 |
| Interest expense | 49,000 | 99,000 | 148,000 | 198,000 |
| Net interest income | 345,000 | 693,000 | 1,032,000 | 1,364,000 |
| Noninterest income | 47,000 | 93,000 | 145,000 | 196,000 |
| Noninterest expense | 400,000 | 799,000 | 1,176,000 | 1,561,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -8,000 | -13,000 | 1,000 | -1,000 |
| Income tax | -5,000 | -10,000 | -11,000 | -15,000 |
| Net income | -3,000 | -3,000 | 12,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,462,000 | 4,459,000 | 4,473,000 | 4,471,000 |
| Total capital | 4,593,000 | 4,590,000 | 4,599,000 | 4,593,000 |
| Risk-weighted assets | 19,233,000 | 17,816,000 | 18,086,000 | 17,837,000 |