Call reports 2006
CITIZENS BANK OF EDINBURG — 2006
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 18,186,000 | 17,472,000 | 17,785,000 | 17,605,000 |
| Total loans | 11,364,000 | 11,386,000 | 11,388,000 | 11,143,000 |
| Allowance for loan losses | 75,000 | 74,000 | 75,000 | 77,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,185,000 | 2,936,000 | 2,938,000 | 3,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,132,000 | 15,632,000 | 15,884,000 | 15,772,000 |
| Interest-bearing deposits | 14,025,000 | 13,760,000 | 13,895,000 | 13,859,000 |
| Noninterest-bearing deposits | 2,107,000 | 1,872,000 | 1,989,000 | 1,913,000 |
| Equity capital | 1,679,000 | 1,712,000 | 1,770,000 | 1,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 250,000 | 513,000 | 770,000 | 1,033,000 |
| Interest expense | 89,000 | 181,000 | 268,000 | 361,000 |
| Net interest income | 161,000 | 332,000 | 502,000 | 672,000 |
| Noninterest income | 24,000 | 41,000 | 70,000 | 97,000 |
| Noninterest expense | 112,000 | 242,000 | 367,000 | 507,000 |
| Provision for loan losses | 1,000 | 3,000 | 4,000 | 6,000 |
| Pretax income | 72,000 | 128,000 | 201,000 | 256,000 |
| Income tax | 23,000 | 46,000 | 61,000 | 81,000 |
| Net income | 49,000 | 82,000 | 140,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,679,000 | 1,712,000 | 1,770,000 | 1,682,000 |
| Total capital | 1,754,000 | 1,786,000 | 1,845,000 | 1,759,000 |
| Risk-weighted assets | 13,283,000 | 12,980,000 | 13,199,000 | 12,819,000 |
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