Call reports 2021
CITIZENS STATE BANK, GANADO, TEXAS — 2021
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 60,912,000 | 61,467,000 | 62,205,000 | 64,460,000 |
| Total loans | 8,287,000 | 8,128,000 | 7,786,000 | 7,922,000 |
| Allowance for loan losses | 127,000 | 127,000 | 126,000 | 122,000 |
| Securities available for sale | 33,948,000 | 32,588,000 | 30,027,000 | 28,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,273,000 | 55,629,000 | 56,360,000 | 58,246,000 |
| Interest-bearing deposits | 34,669,000 | 35,115,000 | 35,205,000 | 35,820,000 |
| Noninterest-bearing deposits | 20,604,000 | 20,514,000 | 21,156,000 | 22,426,000 |
| Equity capital | 5,412,000 | 5,617,000 | 5,631,000 | 6,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 277,000 | 541,000 | 803,000 | 1,076,000 |
| Interest expense | 32,000 | 63,000 | 92,000 | 122,000 |
| Net interest income | 245,000 | 478,000 | 711,000 | 954,000 |
| Noninterest income | 50,000 | 89,000 | 135,000 | 186,000 |
| Noninterest expense | 392,000 | 783,000 | 1,166,000 | 1,551,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -97,000 | -206,000 | -273,000 | -364,000 |
| Income tax | -22,000 | -46,000 | -63,000 | -83,000 |
| Net income | -75,000 | -160,000 | -210,000 | -281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,754,000 | 4,866,000 | 4,900,000 | 5,668,000 |
| Total capital | 4,881,000 | 4,993,000 | 5,026,000 | 5,790,000 |
| Risk-weighted assets | 17,072,000 | 15,888,000 | 15,820,000 | 15,063,000 |