Call reports 2008
CITIZENS BANK OF EDINBURG — 2008
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 19,684,000 | 19,162,000 | 18,104,000 | 18,016,000 |
| Total loans | 12,137,000 | 12,392,000 | 12,483,000 | 12,095,000 |
| Allowance for loan losses | 78,000 | 80,000 | 61,000 | 77,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,624,000 | 3,676,000 | 3,164,000 | 3,119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,838,000 | 15,281,000 | 16,184,000 | 15,810,000 |
| Interest-bearing deposits | 13,852,000 | 13,559,000 | 14,080,000 | 14,022,000 |
| Noninterest-bearing deposits | 1,986,000 | 1,722,000 | 2,104,000 | 1,788,000 |
| Equity capital | 1,768,000 | 1,807,000 | 1,854,000 | 1,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 257,000 | 517,000 | 768,000 | 1,015,000 |
| Interest expense | 91,000 | 187,000 | 278,000 | 361,000 |
| Net interest income | 166,000 | 330,000 | 490,000 | 654,000 |
| Noninterest income | 21,000 | 41,000 | 69,000 | 103,000 |
| Noninterest expense | 113,000 | 248,000 | 372,000 | 523,000 |
| Provision for loan losses | 1,000 | 3,000 | 5,000 | 21,000 |
| Pretax income | 73,000 | 126,000 | 188,000 | 219,000 |
| Income tax | 21,000 | 35,000 | 50,000 | 57,000 |
| Net income | 52,000 | 91,000 | 138,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,768,000 | 1,807,000 | 1,854,000 | 1,773,000 |
| Total capital | 1,846,000 | 1,887,000 | 1,915,000 | 1,850,000 |
| Risk-weighted assets | 13,778,000 | 13,881,000 | 13,738,000 | 12,515,000 |
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