Call reports 2023
CITIZENS STATE BANK, GANADO, TEXAS — 2023
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 59,701,000 | 56,321,000 | 56,790,000 | 54,866,000 |
| Total loans | 8,993,000 | 9,467,000 | 9,342,000 | 9,320,000 |
| Allowance for loan losses | 208,000 | 208,000 | 208,000 | 193,000 |
| Securities available for sale | 43,460,000 | 41,006,000 | 38,555,000 | 38,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,604,000 | 53,541,000 | 54,460,000 | 51,790,000 |
| Interest-bearing deposits | 35,157,000 | 33,104,000 | 33,423,000 | 31,296,000 |
| Noninterest-bearing deposits | 21,446,000 | 20,436,000 | 21,037,000 | 20,494,000 |
| Equity capital | 2,857,000 | 2,507,000 | 2,049,000 | 2,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 520,000 | 1,036,000 | 1,554,000 | 2,071,000 |
| Interest expense | 45,000 | 96,000 | 158,000 | 240,000 |
| Net interest income | 475,000 | 940,000 | 1,396,000 | 1,831,000 |
| Noninterest income | 47,000 | 92,000 | 139,000 | 185,000 |
| Noninterest expense | 490,000 | 999,000 | 1,503,000 | 1,990,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 32,000 | 34,000 | 33,000 | 27,000 |
| Income tax | 5,000 | 4,000 | 0 | -2,000 |
| Net income | 27,000 | 30,000 | 33,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,647,000 | 5,649,000 | 5,649,000 | 5,641,000 |
| Total capital | 5,855,000 | 5,857,000 | 5,857,000 | 5,834,000 |
| Risk-weighted assets | 19,146,000 | 18,913,000 | 18,500,000 | 18,439,000 |