Call reports 2012
CITIZENS BANK OF LAS CRUCES — 2012
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 411,542,000 | 406,424,000 | 403,732,000 | 398,105,000 |
| Total loans | 201,108,000 | 202,298,000 | 210,388,000 | 213,260,000 |
| Allowance for loan losses | 4,324,000 | 4,354,000 | 4,272,000 | 4,571,000 |
| Securities available for sale | 148,104,000 | 153,726,000 | 152,301,000 | 145,551,000 |
| Securities held to maturity | 5,139,000 | 4,884,000 | 4,564,000 | 4,559,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,012,000 | 354,378,000 | 350,947,000 | 352,046,000 |
| Interest-bearing deposits | 289,730,000 | 282,964,000 | 281,105,000 | 278,446,000 |
| Noninterest-bearing deposits | 71,282,000 | 71,414,000 | 69,842,000 | 73,600,000 |
| Equity capital | 40,875,000 | 41,371,000 | 42,387,000 | 41,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,262,000 | 8,386,000 | 12,662,000 | 16,932,000 |
| Interest expense | 303,000 | 591,000 | 882,000 | 1,157,000 |
| Net interest income | 3,959,000 | 7,795,000 | 11,780,000 | 15,775,000 |
| Noninterest income | 1,314,000 | 2,579,000 | 3,940,000 | 5,448,000 |
| Noninterest expense | 3,091,000 | 6,190,000 | 9,505,000 | 12,588,000 |
| Provision for loan losses | 255,000 | 395,000 | 480,000 | 828,000 |
| Pretax income | 1,927,000 | 3,789,000 | 5,735,000 | 7,807,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,927,000 | 3,789,000 | 5,735,000 | 7,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,135,000 | 36,829,000 | 37,692,000 | 37,528,000 |
| Total capital | 40,207,000 | 39,896,000 | 40,814,000 | 40,668,000 |
| Risk-weighted assets | 244,495,000 | 244,107,000 | 248,596,000 | 249,775,000 |