Call reports 2024
CITIZENS STATE BANK, GANADO, TEXAS — 2024
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 53,836,000 | 52,981,000 | 55,868,000 | 55,551,000 |
| Total loans | 8,991,000 | 10,323,000 | 10,333,000 | 10,581,000 |
| Allowance for loan losses | 193,000 | 193,000 | 196,000 | 195,000 |
| Securities available for sale | 37,566,000 | 36,671,000 | 35,960,000 | 34,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,854,000 | 49,740,000 | 51,752,000 | 52,110,000 |
| Interest-bearing deposits | 30,346,000 | 29,634,000 | 30,693,000 | 30,724,000 |
| Noninterest-bearing deposits | 20,508,000 | 20,106,000 | 21,059,000 | 21,386,000 |
| Equity capital | 2,648,000 | 2,886,000 | 3,782,000 | 3,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 495,000 | 999,000 | 1,517,000 | 2,061,000 |
| Interest expense | 100,000 | 208,000 | 324,000 | 444,000 |
| Net interest income | 395,000 | 791,000 | 1,193,000 | 1,617,000 |
| Noninterest income | 48,000 | 93,000 | 142,000 | 184,000 |
| Noninterest expense | 507,000 | 1,018,000 | 1,507,000 | 1,954,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -64,000 | -134,000 | -172,000 | -153,000 |
| Income tax | -15,000 | -32,000 | -42,000 | -40,000 |
| Net income | -49,000 | -102,000 | -130,000 | -113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,560,000 | 5,490,000 | 5,452,000 | 5,471,000 |
| Total capital | 5,753,000 | 5,683,000 | 5,648,000 | 5,667,000 |
| Risk-weighted assets | 18,011,000 | 18,839,000 | 18,659,000 | 18,062,000 |