Call reports 2005
CITIZENS BANK OF LAS CRUCES — 2005
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 269,619,000 | 287,106,000 | 292,462,000 | 286,269,000 |
| Total loans | 168,564,000 | 180,388,000 | 179,089,000 | 184,788,000 |
| Allowance for loan losses | 3,151,000 | 3,296,000 | 3,447,000 | 3,487,000 |
| Securities available for sale | 62,399,000 | 61,819,000 | 58,842,000 | 61,110,000 |
| Securities held to maturity | 5,523,000 | 5,640,000 | 5,241,000 | 5,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,115,000 | 252,496,000 | 257,022,000 | 245,942,000 |
| Interest-bearing deposits | 182,893,000 | 199,372,000 | 203,263,000 | 190,647,000 |
| Noninterest-bearing deposits | 52,222,000 | 53,124,000 | 53,759,000 | 55,295,000 |
| Equity capital | 18,781,000 | 19,510,000 | 20,533,000 | 20,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,574,000 | 7,486,000 | 11,637,000 | 15,986,000 |
| Interest expense | 664,000 | 1,408,000 | 2,262,000 | 3,258,000 |
| Net interest income | 2,910,000 | 6,078,000 | 9,375,000 | 12,728,000 |
| Noninterest income | 968,000 | 1,917,000 | 3,054,000 | 4,035,000 |
| Noninterest expense | 2,390,000 | 4,739,000 | 7,148,000 | 9,473,000 |
| Provision for loan losses | 150,000 | 302,000 | 459,000 | 607,000 |
| Pretax income | 1,338,000 | 2,954,000 | 4,822,000 | 6,683,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,338,000 | 2,954,000 | 4,822,000 | 6,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,339,000 | 20,103,000 | 21,118,000 | 20,951,000 |
| Total capital | 21,732,000 | 22,670,000 | 23,688,000 | 23,574,000 |
| Risk-weighted assets | 190,656,000 | 204,625,000 | 204,703,000 | 208,955,000 |