Call reports 2011
CITIZENS BANK OF EDINBURG — 2011
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 20,339,000 | 19,830,000 | 20,754,000 | 20,738,000 |
| Total loans | 11,396,000 | 11,555,000 | 11,136,000 | 12,415,000 |
| Allowance for loan losses | 92,000 | 79,000 | 70,000 | 71,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,815,000 | 3,669,000 | 3,595,000 | 3,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,398,000 | 17,847,000 | 18,732,000 | 18,771,000 |
| Interest-bearing deposits | 16,186,000 | 15,892,000 | 16,378,000 | 15,973,000 |
| Noninterest-bearing deposits | 2,212,000 | 1,956,000 | 2,354,000 | 2,798,000 |
| Equity capital | 1,895,000 | 1,923,000 | 1,962,000 | 1,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 196,000 | 395,000 | 597,000 | 788,000 |
| Interest expense | 62,000 | 122,000 | 181,000 | 240,000 |
| Net interest income | 134,000 | 273,000 | 416,000 | 548,000 |
| Noninterest income | 19,000 | 36,000 | 59,000 | 73,000 |
| Noninterest expense | 110,000 | 230,000 | 344,000 | 445,000 |
| Provision for loan losses | 2,000 | 3,000 | 6,000 | 6,000 |
| Pretax income | 41,000 | 76,000 | 125,000 | 170,000 |
| Income tax | 10,000 | 18,000 | 27,000 | 42,000 |
| Net income | 31,000 | 58,000 | 98,000 | 128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,895,000 | 1,923,000 | 1,962,000 | 1,905,000 |
| Total capital | 1,987,000 | 2,002,000 | 2,032,000 | 1,976,000 |
| Risk-weighted assets | 12,175,000 | 12,256,000 | 12,079,000 | 13,076,000 |