Call reports 2013
CITIZENS BANK OF LAS CRUCES — 2013
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 397,602,000 | 402,315,000 | 417,557,000 | 435,234,000 |
| Total loans | 214,520,000 | 219,211,000 | 225,624,000 | 231,661,000 |
| Allowance for loan losses | 4,607,000 | 4,658,000 | 4,707,000 | 4,758,000 |
| Securities available for sale | 147,017,000 | 144,275,000 | 153,002,000 | 157,952,000 |
| Securities held to maturity | 4,555,000 | 4,549,000 | 4,544,000 | 4,539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,931,000 | 340,370,000 | 349,157,000 | 369,021,000 |
| Interest-bearing deposits | 276,047,000 | 267,093,000 | 272,079,000 | 286,070,000 |
| Noninterest-bearing deposits | 73,884,000 | 73,277,000 | 77,078,000 | 82,951,000 |
| Equity capital | 42,186,000 | 41,195,000 | 41,691,000 | 40,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,136,000 | 8,428,000 | 12,798,000 | 17,244,000 |
| Interest expense | 251,000 | 485,000 | 727,000 | 981,000 |
| Net interest income | 3,885,000 | 7,943,000 | 12,071,000 | 16,263,000 |
| Noninterest income | 1,417,000 | 2,845,000 | 4,182,000 | 5,327,000 |
| Noninterest expense | 3,123,000 | 6,281,000 | 9,512,000 | 12,726,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 633,000 |
| Pretax income | 1,999,000 | 4,147,000 | 6,201,000 | 8,231,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,999,000 | 4,147,000 | 6,201,000 | 8,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,440,000 | 39,502,000 | 40,469,000 | 39,107,000 |
| Total capital | 41,599,000 | 42,738,000 | 43,833,000 | 42,491,000 |
| Risk-weighted assets | 251,285,000 | 257,491,000 | 267,812,000 | 269,368,000 |