Call reports 2006
CITIZENS BANK OF LAS CRUCES — 2006
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 285,753,000 | 304,354,000 | 309,685,000 | 320,990,000 |
| Total loans | 189,806,000 | 199,733,000 | 202,781,000 | 197,745,000 |
| Allowance for loan losses | 3,593,000 | 3,724,000 | 3,926,000 | 4,087,000 |
| Securities available for sale | 60,696,000 | 64,920,000 | 60,775,000 | 63,073,000 |
| Securities held to maturity | 5,214,000 | 4,078,000 | 3,074,000 | 3,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,808,000 | 268,980,000 | 274,496,000 | 284,632,000 |
| Interest-bearing deposits | 190,168,000 | 200,956,000 | 211,023,000 | 219,269,000 |
| Noninterest-bearing deposits | 61,640,000 | 68,024,000 | 63,473,000 | 65,363,000 |
| Equity capital | 21,149,000 | 21,560,000 | 23,224,000 | 23,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,422,000 | 9,197,000 | 14,257,000 | 19,469,000 |
| Interest expense | 1,025,000 | 2,272,000 | 3,733,000 | 5,347,000 |
| Net interest income | 3,397,000 | 6,925,000 | 10,524,000 | 14,122,000 |
| Noninterest income | 956,000 | 1,973,000 | 3,140,000 | 4,406,000 |
| Noninterest expense | 2,505,000 | 4,997,000 | 7,509,000 | 10,103,000 |
| Provision for loan losses | 114,000 | 265,000 | 419,000 | 579,000 |
| Pretax income | 1,696,000 | 3,598,000 | 5,698,000 | 7,808,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,696,000 | 3,598,000 | 5,698,000 | 7,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,787,000 | 22,614,000 | 23,634,000 | 23,477,000 |
| Total capital | 24,453,000 | 25,457,000 | 26,495,000 | 26,253,000 |
| Risk-weighted assets | 212,367,000 | 226,586,000 | 227,839,000 | 220,781,000 |