Call reports 2003
CITIZENS BANK OF EDINBURG — 2003
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 18,342,000 | 18,047,000 | 17,703,000 | 18,182,000 |
| Total loans | 12,110,000 | 12,619,000 | 12,265,000 | 11,825,000 |
| Allowance for loan losses | 67,000 | 67,000 | 66,000 | 67,000 |
| Securities available for sale | 1,000 | 0 | 0 | 0 |
| Securities held to maturity | 1,961,000 | 1,957,000 | 1,996,000 | 1,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,430,000 | 16,127,000 | 15,788,000 | 16,104,000 |
| Interest-bearing deposits | 14,529,000 | 14,135,000 | 13,769,000 | 14,081,000 |
| Noninterest-bearing deposits | 1,901,000 | 1,992,000 | 2,019,000 | 2,023,000 |
| Equity capital | 1,578,000 | 1,603,000 | 1,604,000 | 1,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 233,000 | 466,000 | 681,000 | 925,000 |
| Interest expense | 101,000 | 198,000 | 286,000 | 372,000 |
| Net interest income | 132,000 | 268,000 | 395,000 | 553,000 |
| Noninterest income | 15,000 | 32,000 | 54,000 | 79,000 |
| Noninterest expense | 109,000 | 225,000 | 356,000 | 507,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 38,000 | 75,000 | 93,000 | 118,000 |
| Income tax | 15,000 | 27,000 | 44,000 | 27,000 |
| Net income | 23,000 | 48,000 | 49,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,578,000 | 1,603,000 | 1,604,000 | 1,559,000 |
| Total capital | 1,645,000 | 1,670,000 | 1,670,000 | 1,626,000 |
| Risk-weighted assets | 12,068,000 | 12,304,000 | 11,893,000 | 11,798,000 |
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