Call reports 2007
CITIZENS BANK OF LAS CRUCES — 2007
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 317,855,000 | 322,653,000 | 316,469,000 | 325,849,000 |
| Total loans | 203,699,000 | 211,429,000 | 214,942,000 | 214,691,000 |
| Allowance for loan losses | 4,246,000 | 4,369,000 | 4,494,000 | 4,527,000 |
| Securities available for sale | 64,672,000 | 71,155,000 | 72,250,000 | 70,968,000 |
| Securities held to maturity | 2,744,000 | 2,409,000 | 1,550,000 | 1,547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,390,000 | 288,041,000 | 280,423,000 | 286,782,000 |
| Interest-bearing deposits | 217,353,000 | 222,284,000 | 221,508,000 | 230,523,000 |
| Noninterest-bearing deposits | 65,037,000 | 65,757,000 | 58,915,000 | 56,259,000 |
| Equity capital | 24,091,000 | 24,231,000 | 25,916,000 | 25,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,192,000 | 10,502,000 | 15,975,000 | 21,282,000 |
| Interest expense | 1,597,000 | 3,250,000 | 4,983,000 | 6,663,000 |
| Net interest income | 3,595,000 | 7,252,000 | 10,992,000 | 14,619,000 |
| Noninterest income | 1,069,000 | 2,279,000 | 3,447,000 | 4,635,000 |
| Noninterest expense | 2,597,000 | 5,218,000 | 7,873,000 | 10,462,000 |
| Provision for loan losses | 128,000 | 251,000 | 377,000 | 432,000 |
| Pretax income | 1,939,000 | 4,062,000 | 6,189,000 | 8,360,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,939,000 | 4,062,000 | 6,189,000 | 8,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,115,000 | 24,942,000 | 25,772,000 | 24,809,000 |
| Total capital | 26,887,000 | 27,832,000 | 28,747,000 | 27,827,000 |
| Risk-weighted assets | 220,311,000 | 229,753,000 | 236,513,000 | 239,921,000 |