Call reports 2015
CITIZENS BANK OF EDINBURG — 2015
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 22,864,000 | 21,948,000 | 22,627,000 | 22,654,000 |
| Total loans | 11,551,000 | 11,406,000 | 12,190,000 | 12,316,000 |
| Allowance for loan losses | 124,000 | 124,000 | 124,000 | 124,000 |
| Securities available for sale | 1,145,000 | 680,000 | 640,000 | 609,000 |
| Securities held to maturity | 5,655,000 | 5,602,000 | 5,084,000 | 4,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,616,000 | 19,669,000 | 20,285,000 | 20,325,000 |
| Interest-bearing deposits | 17,696,000 | 17,227,000 | 18,085,000 | 17,538,000 |
| Noninterest-bearing deposits | 2,920,000 | 2,442,000 | 2,200,000 | 2,787,000 |
| Equity capital | 2,213,000 | 2,250,000 | 2,302,000 | 2,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 181,000 | 368,000 | 557,000 | 748,000 |
| Interest expense | 27,000 | 53,000 | 78,000 | 104,000 |
| Net interest income | 154,000 | 315,000 | 479,000 | 644,000 |
| Noninterest income | 17,000 | 44,000 | 67,000 | 87,000 |
| Noninterest expense | 128,000 | 247,000 | 366,000 | 499,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 112,000 | 180,000 | 232,000 |
| Income tax | 9,000 | 27,000 | 43,000 | 52,000 |
| Net income | 34,000 | 85,000 | 137,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,155,000 | 2,235,000 | 2,287,000 | 2,259,000 |
| Total capital | 2,279,000 | 2,359,000 | 2,411,000 | 2,383,000 |
| Risk-weighted assets | 12,524,000 | 12,333,000 | 13,013,000 | 13,135,000 |