Call reports 2022
CITIZENS BANK OF EDINBURG — 2022
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 30,802,000 | 32,041,000 | 33,198,000 | 30,993,000 |
| Total loans | 12,929,000 | 11,784,000 | 11,229,000 | 11,838,000 |
| Allowance for loan losses | 147,000 | 147,000 | 148,000 | 148,000 |
| Securities available for sale | 3,723,000 | 4,674,000 | 5,780,000 | 6,082,000 |
| Securities held to maturity | 2,826,000 | 3,440,000 | 4,000,000 | 4,203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,262,000 | 29,579,000 | 30,730,000 | 28,441,000 |
| Interest-bearing deposits | 23,273,000 | 22,769,000 | 23,775,000 | 22,635,000 |
| Noninterest-bearing deposits | 4,989,000 | 6,810,000 | 6,955,000 | 5,806,000 |
| Equity capital | 2,484,000 | 2,375,000 | 2,362,000 | 2,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 171,000 | 344,000 | 559,000 | 828,000 |
| Interest expense | 17,000 | 32,000 | 52,000 | 74,000 |
| Net interest income | 154,000 | 312,000 | 507,000 | 754,000 |
| Noninterest income | 21,000 | 73,000 | 98,000 | 116,000 |
| Noninterest expense | 143,000 | 284,000 | 428,000 | 569,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 32,000 | 101,000 | 177,000 | 301,000 |
| Income tax | 8,000 | 24,000 | 44,000 | 73,000 |
| Net income | 24,000 | 77,000 | 133,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,576,000 | 2,625,000 | 2,679,000 | 2,692,000 |
| Total capital | — | — | 2,827,000 | 2,840,000 |
| Risk-weighted assets | — | — | 13,691,000 | 15,699,000 |