Call reports 2014
CITIZENS BANK OF LAS CRUCES — 2014
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 434,648,000 | 436,648,000 | 455,542,000 | 450,081,000 |
| Total loans | 224,814,000 | 220,001,000 | 236,517,000 | 241,284,000 |
| Allowance for loan losses | 4,850,000 | 5,005,000 | 5,158,000 | 5,297,000 |
| Securities available for sale | 163,859,000 | 173,323,000 | 178,283,000 | 173,890,000 |
| Securities held to maturity | 4,534,000 | 4,529,000 | 4,524,000 | 4,519,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,859,000 | 368,525,000 | 379,665,000 | 380,062,000 |
| Interest-bearing deposits | 290,333,000 | 282,647,000 | 284,946,000 | 280,611,000 |
| Noninterest-bearing deposits | 84,526,000 | 85,878,000 | 94,719,000 | 99,451,000 |
| Equity capital | 41,011,000 | 42,490,000 | 42,894,000 | 42,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,381,000 | 8,710,000 | 13,169,000 | 17,557,000 |
| Interest expense | 224,000 | 435,000 | 657,000 | 875,000 |
| Net interest income | 4,157,000 | 8,275,000 | 12,512,000 | 16,682,000 |
| Noninterest income | 1,274,000 | 2,495,000 | 3,738,000 | 5,059,000 |
| Noninterest expense | 3,260,000 | 6,384,000 | 9,528,000 | 11,685,000 |
| Provision for loan losses | 180,000 | 336,000 | 516,000 | 636,000 |
| Pretax income | 1,991,000 | 4,050,000 | 6,206,000 | 9,420,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,991,000 | 4,050,000 | 6,206,000 | 9,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,912,000 | 40,983,000 | 42,054,000 | 41,447,000 |
| Total capital | 43,239,000 | 44,270,000 | 45,575,000 | 44,964,000 |
| Risk-weighted assets | 264,665,000 | 261,268,000 | 280,057,000 | 279,591,000 |