Call reports 2003
CITIZENS BANK OF LAS CRUCES — 2003
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 212,427,000 | 235,277,000 | 239,963,000 | 239,375,000 |
| Total loans | 135,027,000 | 142,422,000 | 144,381,000 | 147,355,000 |
| Allowance for loan losses | 2,083,000 | 2,143,000 | 2,299,000 | 2,414,000 |
| Securities available for sale | 42,285,000 | 46,848,000 | 48,013,000 | 48,542,000 |
| Securities held to maturity | 6,962,000 | 6,689,000 | 6,530,000 | 6,467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,724,000 | 208,670,000 | 204,290,000 | 212,025,000 |
| Interest-bearing deposits | 161,607,000 | 176,655,000 | 171,386,000 | 176,400,000 |
| Noninterest-bearing deposits | 30,117,000 | 32,015,000 | 32,904,000 | 35,625,000 |
| Equity capital | 16,891,000 | 17,357,000 | 17,440,000 | 17,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,071,000 | 6,215,000 | 9,346,000 | 12,493,000 |
| Interest expense | 681,000 | 1,356,000 | 2,019,000 | 2,663,000 |
| Net interest income | 2,390,000 | 4,859,000 | 7,327,000 | 9,830,000 |
| Noninterest income | 1,036,000 | 2,274,000 | 3,406,000 | 4,353,000 |
| Noninterest expense | 2,246,000 | 4,555,000 | 6,863,000 | 8,900,000 |
| Provision for loan losses | 171,000 | 417,000 | 589,000 | 775,000 |
| Pretax income | 1,009,000 | 2,161,000 | 3,281,000 | 4,508,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,009,000 | 2,161,000 | 3,281,000 | 4,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,132,000 | 16,648,000 | 17,044,000 | 17,505,000 |
| Total capital | 18,005,000 | 18,707,000 | 19,131,000 | 19,613,000 |
| Risk-weighted assets | 149,607,000 | 164,666,000 | 166,743,000 | 168,331,000 |