Call reports 2024
CITIZENS BANK OF EDINBURG — 2024
What CITIZENS BANK OF EDINBURG reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 30,345,000 | 29,916,000 | 32,467,000 | 31,852,000 |
| Total loans | 10,003,000 | 9,467,000 | 9,700,000 | 9,298,000 |
| Allowance for loan losses | 151,000 | 151,000 | 151,000 | 151,000 |
| Securities available for sale | 4,953,000 | 4,842,000 | 4,674,000 | 3,994,000 |
| Securities held to maturity | 3,839,000 | 3,842,000 | 3,720,000 | 3,719,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,494,000 | 27,000,000 | 29,449,000 | 28,825,000 |
| Interest-bearing deposits | 22,117,000 | 21,512,000 | 24,095,000 | 23,577,000 |
| Noninterest-bearing deposits | 5,377,000 | 5,488,000 | 5,354,000 | 5,248,000 |
| Equity capital | 2,644,000 | 2,754,000 | 2,850,000 | 2,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 288,000 | 579,000 | 887,000 | 1,198,000 |
| Interest expense | 67,000 | 140,000 | 213,000 | 286,000 |
| Net interest income | 221,000 | 439,000 | 674,000 | 912,000 |
| Noninterest income | 22,000 | 42,000 | 66,000 | 86,000 |
| Noninterest expense | 158,000 | 313,000 | 466,000 | 632,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 85,000 | 168,000 | 274,000 | 366,000 |
| Income tax | 20,000 | 41,000 | 69,000 | 93,000 |
| Net income | 65,000 | 127,000 | 205,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,955,000 | 3,015,000 | 3,096,000 | 3,088,000 |
| Total capital | — | 3,165,000 | 3,246,000 | — |
| Risk-weighted assets | — | 15,271,000 | 16,026,000 | — |