Call reports 2010
CITIZENS BANK OF EDINBURG — 2010
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 20,054,000 | 19,618,000 | 19,879,000 | 19,354,000 |
| Total loans | 12,798,000 | 12,140,000 | 11,893,000 | 11,859,000 |
| Allowance for loan losses | 88,000 | 84,000 | 87,000 | 90,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,352,000 | 1,350,000 | 882,000 | 2,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,119,000 | 16,673,000 | 17,901,000 | 17,441,000 |
| Interest-bearing deposits | 15,282,000 | 14,857,000 | 15,868,000 | 15,451,000 |
| Noninterest-bearing deposits | 1,837,000 | 1,816,000 | 2,033,000 | 1,991,000 |
| Equity capital | 1,865,000 | 1,891,000 | 1,919,000 | 1,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 222,000 | 439,000 | 644,000 | 827,000 |
| Interest expense | 73,000 | 142,000 | 206,000 | 269,000 |
| Net interest income | 149,000 | 297,000 | 438,000 | 558,000 |
| Noninterest income | 20,000 | 38,000 | 63,000 | 90,000 |
| Noninterest expense | 121,000 | 249,000 | 367,000 | 498,000 |
| Provision for loan losses | 3,000 | 5,000 | 8,000 | 11,000 |
| Pretax income | 45,000 | 81,000 | 126,000 | 139,000 |
| Income tax | 12,000 | 23,000 | 32,000 | 30,000 |
| Net income | 33,000 | 58,000 | 94,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,865,000 | 1,891,000 | 1,919,000 | 1,864,000 |
| Total capital | 1,953,000 | 1,975,000 | 2,006,000 | 1,954,000 |
| Risk-weighted assets | 12,575,000 | 12,154,000 | 11,885,000 | 12,169,000 |