Call reports 2014
CITIZENS BANK OF EDINBURG — 2014
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 23,735,000 | 22,997,000 | 23,068,000 | 22,377,000 |
| Total loans | 10,641,000 | 10,761,000 | 10,726,000 | 11,653,000 |
| Allowance for loan losses | 126,000 | 128,000 | 127,000 | 124,000 |
| Securities available for sale | 1,514,000 | 1,481,000 | 1,602,000 | 1,177,000 |
| Securities held to maturity | 5,954,000 | 6,162,000 | 6,090,000 | 5,966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,599,000 | 20,811,000 | 20,834,000 | 20,166,000 |
| Interest-bearing deposits | 18,783,000 | 18,179,000 | 18,083,000 | 17,509,000 |
| Noninterest-bearing deposits | 2,816,000 | 2,632,000 | 2,751,000 | 2,657,000 |
| Equity capital | 2,095,000 | 2,144,000 | 2,185,000 | 2,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 179,000 | 359,000 | 546,000 | 722,000 |
| Interest expense | 32,000 | 64,000 | 94,000 | 124,000 |
| Net interest income | 147,000 | 295,000 | 452,000 | 598,000 |
| Noninterest income | 16,000 | 35,000 | 55,000 | 76,000 |
| Noninterest expense | 114,000 | 236,000 | 354,000 | 477,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 49,000 | 94,000 | 153,000 | 206,000 |
| Income tax | 12,000 | 23,000 | 37,000 | 44,000 |
| Net income | 37,000 | 71,000 | 116,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,095,000 | 2,128,000 | 2,172,000 | 2,150,000 |
| Total capital | 2,221,000 | 2,256,000 | 2,299,000 | 2,274,000 |
| Risk-weighted assets | 12,018,000 | 11,831,000 | 11,759,000 | 12,474,000 |