Call reports 2019
CITIZENS BANK OF EDINBURG — 2019
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 24,378,000 | 24,049,000 | 26,079,000 | 24,987,000 |
| Total loans | 12,466,000 | 12,374,000 | 13,307,000 | 13,478,000 |
| Allowance for loan losses | 128,000 | 128,000 | 127,000 | 130,000 |
| Securities available for sale | 1,100,000 | 1,027,000 | 1,476,000 | 1,389,000 |
| Securities held to maturity | 3,362,000 | 3,343,000 | 3,250,000 | 3,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,963,000 | 21,598,000 | 23,545,000 | 22,500,000 |
| Interest-bearing deposits | 18,616,000 | 18,487,000 | 20,027,000 | 18,807,000 |
| Noninterest-bearing deposits | 3,347,000 | 3,110,000 | 3,517,000 | 3,694,000 |
| Equity capital | 2,374,000 | 2,429,000 | 2,499,000 | 2,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 217,000 | 421,000 | 642,000 | 865,000 |
| Interest expense | 18,000 | 36,000 | 56,000 | 75,000 |
| Net interest income | 199,000 | 385,000 | 586,000 | 790,000 |
| Noninterest income | 16,000 | 32,000 | 53,000 | 82,000 |
| Noninterest expense | 124,000 | 249,000 | 372,000 | 491,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 91,000 | 168,000 | 269,000 | 382,000 |
| Income tax | 20,000 | 40,000 | 65,000 | 90,000 |
| Net income | 71,000 | 128,000 | 204,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,350,000 | 2,407,000 | 2,471,000 | 2,417,000 |
| Total capital | 2,478,000 | 2,535,000 | 2,598,000 | 2,547,000 |
| Risk-weighted assets | 13,702,000 | 13,682,000 | 13,682,000 | 14,440,000 |