Call reports 2020
CITIZENS STATE BANK, GANADO, TEXAS — 2020
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 56,938,000 | 58,414,000 | 61,028,000 | 60,870,000 |
| Total loans | 8,848,000 | 9,476,000 | 9,382,000 | 7,822,000 |
| Allowance for loan losses | 122,000 | 122,000 | 128,000 | 128,000 |
| Securities available for sale | 38,111,000 | 40,581,000 | 36,546,000 | 34,168,000 |
| Securities held to maturity | 15,000 | 15,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,612,000 | 52,841,000 | 55,116,000 | 55,191,000 |
| Interest-bearing deposits | 33,027,000 | 32,897,000 | 35,264,000 | 34,919,000 |
| Noninterest-bearing deposits | 18,585,000 | 19,943,000 | 19,851,000 | 20,272,000 |
| Equity capital | 5,101,000 | 5,289,000 | 5,621,000 | 5,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 371,000 | 692,000 | 982,000 | 1,245,000 |
| Interest expense | 51,000 | 94,000 | 136,000 | 174,000 |
| Net interest income | 320,000 | 598,000 | 846,000 | 1,071,000 |
| Noninterest income | 50,000 | 87,000 | 133,000 | 183,000 |
| Noninterest expense | 411,000 | 822,000 | 1,198,000 | 1,554,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -41,000 | -137,000 | -219,000 | -300,000 |
| Income tax | -12,000 | -34,000 | -53,000 | -72,000 |
| Net income | -29,000 | -103,000 | -166,000 | -228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,532,000 | 4,434,000 | 4,652,000 | 4,570,000 |
| Total capital | 4,654,000 | 4,556,000 | 4,780,000 | 4,698,000 |
| Risk-weighted assets | 17,137,000 | 17,679,000 | 16,469,000 | 15,363,000 |