Call reports 2009
CITIZENS BANK OF EDINBURG — 2009
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 19,075,000 | 19,474,000 | 20,161,000 | 20,082,000 |
| Total loans | 11,977,000 | 11,722,000 | 12,403,000 | 12,938,000 |
| Allowance for loan losses | 80,000 | 79,000 | 82,000 | 85,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,712,000 | 2,361,000 | 2,505,000 | 1,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,193,000 | 16,546,000 | 17,184,000 | 17,162,000 |
| Interest-bearing deposits | 14,276,000 | 14,774,000 | 15,491,000 | 15,261,000 |
| Noninterest-bearing deposits | 1,917,000 | 1,772,000 | 1,693,000 | 1,901,000 |
| Equity capital | 1,804,000 | 1,852,000 | 1,896,000 | 1,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 233,000 | 470,000 | 703,000 | 933,000 |
| Interest expense | 80,000 | 158,000 | 237,000 | 313,000 |
| Net interest income | 153,000 | 312,000 | 466,000 | 620,000 |
| Noninterest income | 17,000 | 44,000 | 70,000 | 89,000 |
| Noninterest expense | 117,000 | 251,000 | 375,000 | 511,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 50,000 | 99,000 | 152,000 | 186,000 |
| Income tax | 19,000 | 19,000 | 29,000 | 39,000 |
| Net income | 31,000 | 80,000 | 123,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,804,000 | 1,852,000 | 1,896,000 | 1,832,000 |
| Total capital | 1,884,000 | 1,931,000 | 1,978,000 | 1,917,000 |
| Risk-weighted assets | 12,429,000 | 12,278,000 | 12,254,000 | 12,769,000 |