Call reports 2013
CITIZENS BANK OF EDINBURG — 2013
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 23,681,000 | 21,944,000 | 22,678,000 | 22,334,000 |
| Total loans | 11,638,000 | 11,491,000 | 11,432,000 | 11,118,000 |
| Allowance for loan losses | 126,000 | 126,000 | 126,000 | 126,000 |
| Securities available for sale | 579,000 | 553,000 | 1,606,000 | 1,549,000 |
| Securities held to maturity | 5,879,000 | 5,473,000 | 5,293,000 | 5,703,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,650,000 | 19,885,000 | 20,569,000 | 20,177,000 |
| Interest-bearing deposits | 17,423,000 | 17,352,000 | 18,029,000 | 17,641,000 |
| Noninterest-bearing deposits | 4,227,000 | 2,534,000 | 2,540,000 | 2,536,000 |
| Equity capital | 1,992,000 | 2,026,000 | 2,071,000 | 2,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 180,000 | 368,000 | 558,000 | 746,000 |
| Interest expense | 42,000 | 81,000 | 117,000 | 153,000 |
| Net interest income | 138,000 | 287,000 | 441,000 | 593,000 |
| Noninterest income | 16,000 | 34,000 | 58,000 | 78,000 |
| Noninterest expense | 111,000 | 232,000 | 341,000 | 457,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 1,000 |
| Pretax income | 42,000 | 88,000 | 157,000 | 213,000 |
| Income tax | 9,000 | 21,000 | 38,000 | 49,000 |
| Net income | 33,000 | 67,000 | 119,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,992,000 | 2,026,000 | 2,071,000 | 2,046,000 |
| Total capital | 2,118,000 | 2,152,000 | 2,197,000 | 2,172,000 |
| Risk-weighted assets | 12,931,000 | 12,338,000 | 12,336,000 | 12,032,000 |