Call reports 2023
CITIZENS BANK OF EDINBURG — 2023
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 31,954,000 | 29,180,000 | 31,381,000 | 30,645,000 |
| Total loans | 11,556,000 | 11,368,000 | 11,208,000 | 10,259,000 |
| Allowance for loan losses | 149,000 | 150,000 | 151,000 | 150,000 |
| Securities available for sale | 5,832,000 | 5,537,000 | 5,197,000 | 5,154,000 |
| Securities held to maturity | 4,204,000 | 4,202,000 | 3,895,000 | 3,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,290,000 | 26,539,000 | 28,731,000 | 27,859,000 |
| Interest-bearing deposits | 22,758,000 | 21,742,000 | 23,012,000 | 22,483,000 |
| Noninterest-bearing deposits | 6,532,000 | 4,798,000 | 5,719,000 | 5,376,000 |
| Equity capital | 2,475,000 | 2,497,000 | 2,493,000 | 2,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 280,000 | 554,000 | 842,000 | 1,128,000 |
| Interest expense | 36,000 | 96,000 | 157,000 | 221,000 |
| Net interest income | 244,000 | 458,000 | 685,000 | 907,000 |
| Noninterest income | 21,000 | 40,000 | 65,000 | 87,000 |
| Noninterest expense | 148,000 | 294,000 | 446,000 | 597,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 204,000 | 304,000 | 397,000 |
| Income tax | 29,000 | 51,000 | 77,000 | 98,000 |
| Net income | 88,000 | 153,000 | 227,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,774,000 | 2,834,000 | 2,908,000 | 2,901,000 |
| Total capital | 2,923,000 | — | — | — |
| Risk-weighted assets | 14,169,000 | — | — | — |