Call reports 2004
CITIZENS BANK OF EDINBURG — 2004
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 18,506,000 | 18,033,000 | 18,732,000 | 18,124,000 |
| Total loans | 12,233,000 | 12,202,000 | 11,776,000 | 11,478,000 |
| Allowance for loan losses | 61,000 | 60,000 | 62,000 | 68,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,984,000 | 1,978,000 | 1,972,000 | 2,597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,597,000 | 16,088,000 | 16,735,000 | 16,191,000 |
| Interest-bearing deposits | 14,557,000 | 13,924,000 | 14,653,000 | 13,996,000 |
| Noninterest-bearing deposits | 2,040,000 | 2,164,000 | 2,082,000 | 2,195,000 |
| Equity capital | 1,599,000 | 1,637,000 | 1,680,000 | 1,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 228,000 | 462,000 | 697,000 | 938,000 |
| Interest expense | 79,000 | 156,000 | 235,000 | 318,000 |
| Net interest income | 149,000 | 306,000 | 462,000 | 620,000 |
| Noninterest income | 19,000 | 40,000 | 67,000 | 84,000 |
| Noninterest expense | 112,000 | 237,000 | 356,000 | 493,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 18,000 |
| Pretax income | 54,000 | 106,000 | 168,000 | 193,000 |
| Income tax | 14,000 | 28,000 | 47,000 | 63,000 |
| Net income | 40,000 | 78,000 | 121,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,599,000 | 1,637,000 | 1,680,000 | 1,584,000 |
| Total capital | 1,660,000 | 1,697,000 | 1,742,000 | 1,652,000 |
| Risk-weighted assets | 12,287,000 | 12,286,000 | 12,043,000 | 12,285,000 |
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