Call reports 2022
CITIZENS STATE BANK, GANADO, TEXAS — 2022
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 65,784,000 | 62,709,000 | 62,699,000 | 60,859,000 |
| Total loans | 7,156,000 | 7,679,000 | 8,909,000 | 8,696,000 |
| Allowance for loan losses | 122,000 | 122,000 | 121,000 | 118,000 |
| Securities available for sale | 33,398,000 | 44,487,000 | 43,805,000 | 44,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,626,000 | 59,353,000 | 59,634,000 | 57,866,000 |
| Interest-bearing deposits | 38,740,000 | 38,167,000 | 37,328,000 | 36,889,000 |
| Noninterest-bearing deposits | 21,886,000 | 21,186,000 | 22,306,000 | 20,976,000 |
| Equity capital | 4,936,000 | 3,096,000 | 2,818,000 | 2,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 272,000 | 668,000 | 1,152,000 | 1,660,000 |
| Interest expense | 28,000 | 60,000 | 90,000 | 121,000 |
| Net interest income | 244,000 | 608,000 | 1,062,000 | 1,539,000 |
| Noninterest income | 53,000 | 105,000 | 152,000 | 204,000 |
| Noninterest expense | 409,000 | 831,000 | 1,249,000 | 1,694,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -112,000 | -107,000 | -101,000 | -17,000 |
| Income tax | -25,000 | -25,000 | -25,000 | -9,000 |
| Net income | -87,000 | -82,000 | -76,000 | -8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,555,000 | 5,561,000 | 5,568,000 | 5,650,000 |
| Total capital | 5,677,000 | 5,683,000 | 5,689,000 | 5,768,000 |
| Risk-weighted assets | 15,456,000 | 18,753,000 | 19,946,000 | 20,506,000 |