Call reports 2016
CITIZENS BANK OF EDINBURG — 2016
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 23,391,000 | 22,210,000 | 24,056,000 | 23,122,000 |
| Total loans | 11,682,000 | 11,391,000 | 13,393,000 | 12,647,000 |
| Allowance for loan losses | 124,000 | 124,000 | 123,000 | 128,000 |
| Securities available for sale | 580,000 | 917,000 | 1,243,000 | 1,135,000 |
| Securities held to maturity | 4,949,000 | 4,622,000 | 4,578,000 | 4,221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,011,000 | 20,003,000 | 21,868,000 | 21,042,000 |
| Interest-bearing deposits | 18,232,000 | 17,247,000 | 18,884,000 | 18,347,000 |
| Noninterest-bearing deposits | 2,779,000 | 2,756,000 | 2,984,000 | 2,695,000 |
| Equity capital | 2,318,000 | 2,157,000 | 2,162,000 | 2,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 182,000 | 382,000 | 561,000 | 739,000 |
| Interest expense | 22,000 | 45,000 | 67,000 | 89,000 |
| Net interest income | 160,000 | 337,000 | 494,000 | 650,000 |
| Noninterest income | 16,000 | 35,000 | 58,000 | 75,000 |
| Noninterest expense | 119,000 | 238,000 | 357,000 | 477,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 57,000 | 134,000 | 195,000 | 238,000 |
| Income tax | 13,000 | 32,000 | 46,000 | 54,000 |
| Net income | 44,000 | 102,000 | 149,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,299,000 | 2,107,000 | 2,162,000 | 2,060,000 |
| Total capital | 2,423,000 | 2,231,000 | 2,285,000 | 2,188,000 |
| Risk-weighted assets | 12,826,000 | 12,359,000 | 14,461,000 | 13,442,000 |