Call reports 2004
CITIZENS BANK OF LAS CRUCES — 2004
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 234,250,000 | 243,585,000 | 247,393,000 | 245,313,000 |
| Total loans | 148,806,000 | 154,750,000 | 161,096,000 | 163,566,000 |
| Allowance for loan losses | 2,558,000 | 2,721,000 | 2,840,000 | 2,982,000 |
| Securities available for sale | 50,565,000 | 54,620,000 | 53,860,000 | 51,505,000 |
| Securities held to maturity | 6,433,000 | 6,274,000 | 5,194,000 | 5,164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,057,000 | 211,577,000 | 211,009,000 | 208,919,000 |
| Interest-bearing deposits | 170,292,000 | 176,549,000 | 175,359,000 | 168,538,000 |
| Noninterest-bearing deposits | 33,765,000 | 35,028,000 | 35,650,000 | 40,381,000 |
| Equity capital | 18,454,000 | 17,850,000 | 18,992,000 | 18,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,104,000 | 6,234,000 | 9,464,000 | 12,843,000 |
| Interest expense | 587,000 | 1,156,000 | 1,696,000 | 2,283,000 |
| Net interest income | 2,517,000 | 5,078,000 | 7,768,000 | 10,560,000 |
| Noninterest income | 950,000 | 1,999,000 | 2,945,000 | 3,857,000 |
| Noninterest expense | 2,234,000 | 4,461,000 | 6,667,000 | 8,894,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,083,000 | 2,316,000 | 3,596,000 | 4,923,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,083,000 | 2,316,000 | 3,596,000 | 4,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,956,000 | 18,452,000 | 18,992,000 | 18,747,000 |
| Total capital | 20,087,000 | 20,651,000 | 21,267,000 | 21,006,000 |
| Risk-weighted assets | 170,069,000 | 175,381,000 | 181,396,000 | 179,969,000 |