Call reports 2008
CITIZENS BANK OF LAS CRUCES — 2008
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 328,926,000 | 327,242,000 | 332,459,000 | 330,588,000 |
| Total loans | 215,066,000 | 218,889,000 | 219,728,000 | 219,842,000 |
| Allowance for loan losses | 4,589,000 | 4,701,000 | 4,817,000 | 4,803,000 |
| Securities available for sale | 71,659,000 | 80,886,000 | 76,805,000 | 77,570,000 |
| Securities held to maturity | 1,545,000 | 1,404,000 | 1,112,000 | 1,111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,622,000 | 268,894,000 | 286,042,000 | 281,431,000 |
| Interest-bearing deposits | 225,288,000 | 213,188,000 | 232,736,000 | 226,224,000 |
| Noninterest-bearing deposits | 57,334,000 | 55,706,000 | 53,306,000 | 55,207,000 |
| Equity capital | 27,792,000 | 26,369,000 | 27,886,000 | 29,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,129,000 | 10,069,000 | 15,082,000 | 19,922,000 |
| Interest expense | 1,614,000 | 2,941,000 | 4,224,000 | 5,282,000 |
| Net interest income | 3,515,000 | 7,128,000 | 10,858,000 | 14,640,000 |
| Noninterest income | 1,249,000 | 2,510,000 | 3,799,000 | 5,042,000 |
| Noninterest expense | 2,695,000 | 5,511,000 | 8,351,000 | 11,155,000 |
| Provision for loan losses | 136,000 | 260,000 | 395,000 | 521,000 |
| Pretax income | 1,935,000 | 3,869,000 | 5,913,000 | 8,008,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,935,000 | 3,869,000 | 5,913,000 | 8,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,447,000 | 26,084,000 | 26,830,000 | 26,328,000 |
| Total capital | 28,435,000 | 29,090,000 | 29,871,000 | 29,379,000 |
| Risk-weighted assets | 237,436,000 | 238,799,000 | 241,465,000 | 242,333,000 |