Call reports 2012
CITIZENS BANK OF EDINBURG — 2012
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 21,395,000 | 20,470,000 | 21,912,000 | 21,811,000 |
| Total loans | 12,124,000 | 13,441,000 | 13,311,000 | 11,954,000 |
| Allowance for loan losses | 76,000 | 81,000 | 69,000 | 126,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,242,000 | 5,251,000 | 5,054,000 | 5,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,403,000 | 18,446,000 | 19,854,000 | 19,795,000 |
| Interest-bearing deposits | 16,639,000 | 16,022,000 | 17,143,000 | 16,403,000 |
| Noninterest-bearing deposits | 2,764,000 | 2,424,000 | 2,710,000 | 3,391,000 |
| Equity capital | 1,932,000 | 1,960,000 | 1,995,000 | 1,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 192,000 | 384,000 | 593,000 | 794,000 |
| Interest expense | 59,000 | 115,000 | 170,000 | 222,000 |
| Net interest income | 133,000 | 269,000 | 423,000 | 572,000 |
| Noninterest income | 15,000 | 32,000 | 48,000 | 66,000 |
| Noninterest expense | 111,000 | 223,000 | 338,000 | 457,000 |
| Provision for loan losses | 3,000 | 6,000 | 14,000 | 71,000 |
| Pretax income | 34,000 | 72,000 | 119,000 | 110,000 |
| Income tax | 7,000 | 16,000 | 28,000 | 18,000 |
| Net income | 27,000 | 56,000 | 91,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,932,000 | 1,960,000 | 1,995,000 | 1,962,000 |
| Total capital | 2,008,000 | 2,041,000 | 2,064,000 | 2,088,000 |
| Risk-weighted assets | 12,764,000 | 13,513,000 | 13,712,000 | 12,783,000 |