Call reports 2020
CITIZENS BANK OF EDINBURG — 2020
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 24,703,000 | 26,406,000 | 28,849,000 | 27,846,000 |
| Total loans | 13,032,000 | 13,129,000 | 13,097,000 | 12,761,000 |
| Allowance for loan losses | 130,000 | 132,000 | 135,000 | 138,000 |
| Securities available for sale | 1,939,000 | 1,862,000 | 1,683,000 | 2,051,000 |
| Securities held to maturity | 3,155,000 | 3,554,000 | 2,719,000 | 2,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,190,000 | 22,318,000 | 24,716,000 | 25,214,000 |
| Interest-bearing deposits | 18,453,000 | 18,376,000 | 20,101,000 | 20,050,000 |
| Noninterest-bearing deposits | 3,737,000 | 3,942,000 | 4,615,000 | 5,164,000 |
| Equity capital | 2,480,000 | 2,563,000 | 2,619,000 | 2,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 214,000 | 413,000 | 601,000 | 783,000 |
| Interest expense | 19,000 | 38,000 | 57,000 | 77,000 |
| Net interest income | 195,000 | 375,000 | 544,000 | 706,000 |
| Noninterest income | 6,000 | 35,000 | 71,000 | 87,000 |
| Noninterest expense | 124,000 | 259,000 | 402,000 | 549,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 8,000 |
| Pretax income | 77,000 | 151,000 | 208,000 | 236,000 |
| Income tax | 17,000 | 38,000 | 48,000 | 52,000 |
| Net income | 60,000 | 113,000 | 160,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,452,000 | 2,505,000 | 2,551,000 | 2,492,000 |