Call reports 2002
CITIZENS BANK OF LAS CRUCES — 2002
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 201,023,000 | 207,010,000 | 219,828,000 | 215,326,000 |
| Total loans | 130,245,000 | 131,680,000 | 133,045,000 | 133,121,000 |
| Allowance for loan losses | 1,729,000 | 1,829,000 | 1,874,000 | 1,948,000 |
| Securities available for sale | 34,425,000 | 40,417,000 | 39,812,000 | 44,783,000 |
| Securities held to maturity | 8,114,000 | 8,056,000 | 7,425,000 | 7,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,571,000 | 188,428,000 | 200,487,000 | 195,088,000 |
| Interest-bearing deposits | 153,987,000 | 159,905,000 | 170,182,000 | 162,359,000 |
| Noninterest-bearing deposits | 28,584,000 | 28,523,000 | 30,305,000 | 32,729,000 |
| Equity capital | 15,743,000 | 15,812,000 | 16,222,000 | 16,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,086,000 | 6,162,000 | 9,302,000 | 12,451,000 |
| Interest expense | 1,017,000 | 1,986,000 | 2,904,000 | 3,728,000 |
| Net interest income | 2,069,000 | 4,176,000 | 6,398,000 | 8,723,000 |
| Noninterest income | 828,000 | 1,817,000 | 2,808,000 | 3,834,000 |
| Noninterest expense | 2,070,000 | 4,122,000 | 6,257,000 | 8,302,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 707,000 |
| Pretax income | 662,000 | 1,541,000 | 2,454,000 | 3,548,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 662,000 | 1,541,000 | 2,454,000 | 3,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,417,000 | 15,252,000 | 15,487,000 | 15,752,000 |
| Total capital | 17,146,000 | 17,071,000 | 17,340,000 | 17,591,000 |
| Risk-weighted assets | 144,771,000 | 145,485,000 | 148,231,000 | 147,021,000 |