Call reports 2010
CITIZENS BANK OF LAS CRUCES — 2010
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 374,073,000 | 378,581,000 | 384,629,000 | 370,772,000 |
| Total loans | 221,805,000 | 222,664,000 | 212,202,000 | 207,842,000 |
| Allowance for loan losses | 4,661,000 | 4,689,000 | 4,715,000 | 3,549,000 |
| Securities available for sale | 111,648,000 | 111,366,000 | 112,714,000 | 117,382,000 |
| Securities held to maturity | 5,249,000 | 5,245,000 | 5,457,000 | 5,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,752,000 | 330,937,000 | 335,958,000 | 324,680,000 |
| Interest-bearing deposits | 265,858,000 | 271,648,000 | 279,755,000 | 264,185,000 |
| Noninterest-bearing deposits | 59,894,000 | 59,289,000 | 56,203,000 | 60,495,000 |
| Equity capital | 34,396,000 | 34,861,000 | 37,037,000 | 36,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,660,000 | 9,356,000 | 13,975,000 | 18,464,000 |
| Interest expense | 598,000 | 1,175,000 | 1,772,000 | 2,319,000 |
| Net interest income | 4,062,000 | 8,181,000 | 12,203,000 | 16,145,000 |
| Noninterest income | 1,453,000 | 2,807,000 | 4,282,000 | 5,883,000 |
| Noninterest expense | 2,963,000 | 6,114,000 | 9,362,000 | 12,340,000 |
| Provision for loan losses | 530,000 | 710,000 | 850,000 | 1,285,000 |
| Pretax income | 2,022,000 | 4,164,000 | 6,273,000 | 8,403,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,022,000 | 4,164,000 | 6,273,000 | 8,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,366,000 | 31,340,000 | 32,366,000 | 33,846,000 |
| Total capital | 34,504,000 | 34,449,000 | 35,381,000 | 36,775,000 |
| Risk-weighted assets | 249,546,000 | 247,104,000 | 239,530,000 | 233,729,000 |