Call reports 2009
CITIZENS BANK OF LAS CRUCES — 2009
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 339,114,000 | 345,858,000 | 367,032,000 | 364,833,000 |
| Total loans | 220,554,000 | 226,816,000 | 227,328,000 | 226,696,000 |
| Allowance for loan losses | 4,896,000 | 4,149,000 | 4,091,000 | 4,255,000 |
| Securities available for sale | 81,425,000 | 86,268,000 | 82,003,000 | 96,064,000 |
| Securities held to maturity | 1,111,000 | 3,550,000 | 3,550,000 | 3,551,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,649,000 | 290,686,000 | 317,825,000 | 313,909,000 |
| Interest-bearing deposits | 239,112,000 | 237,428,000 | 265,134,000 | 259,632,000 |
| Noninterest-bearing deposits | 50,537,000 | 53,258,000 | 52,691,000 | 54,277,000 |
| Equity capital | 30,328,000 | 30,331,000 | 31,987,000 | 33,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,734,000 | 9,567,000 | 14,422,000 | 19,166,000 |
| Interest expense | 973,000 | 1,763,000 | 2,500,000 | 3,185,000 |
| Net interest income | 3,761,000 | 7,804,000 | 11,922,000 | 15,981,000 |
| Noninterest income | 1,408,000 | 2,899,000 | 4,321,000 | 5,809,000 |
| Noninterest expense | 3,123,000 | 6,357,000 | 9,650,000 | 12,957,000 |
| Provision for loan losses | 128,000 | 252,000 | 378,000 | 577,000 |
| Pretax income | 2,107,000 | 4,283,000 | 6,404,000 | 8,626,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,107,000 | 4,283,000 | 6,404,000 | 8,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,137,000 | 28,022,000 | 28,850,000 | 30,427,000 |
| Total capital | 30,199,000 | 31,207,000 | 31,990,000 | 33,593,000 |
| Risk-weighted assets | 243,123,000 | 253,848,000 | 250,239,000 | 252,178,000 |