Call reports 2015
CITIZENS BANK OF LAS CRUCES — 2015
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 479,490,000 | 479,445,000 | 479,079,000 | 489,246,000 |
| Total loans | 243,225,000 | 248,612,000 | 258,362,000 | 272,462,000 |
| Allowance for loan losses | 5,445,000 | 5,589,000 | 5,723,000 | 5,813,000 |
| Securities available for sale | 194,318,000 | 196,672,000 | 189,316,000 | 186,334,000 |
| Securities held to maturity | 4,514,000 | 2,774,000 | 1,811,000 | 1,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,607,000 | 401,316,000 | 404,950,000 | 417,690,000 |
| Interest-bearing deposits | 306,378,000 | 298,286,000 | 297,699,000 | 306,944,000 |
| Noninterest-bearing deposits | 102,229,000 | 103,030,000 | 107,251,000 | 110,746,000 |
| Equity capital | 45,005,000 | 45,115,000 | 47,250,000 | 46,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,390,000 | 8,975,000 | 13,686,000 | 18,396,000 |
| Interest expense | 214,000 | 428,000 | 653,000 | 893,000 |
| Net interest income | 4,176,000 | 8,547,000 | 13,033,000 | 17,503,000 |
| Noninterest income | 1,560,000 | 3,114,000 | 4,792,000 | 6,234,000 |
| Noninterest expense | 3,173,000 | 6,499,000 | 9,933,000 | 13,262,000 |
| Provision for loan losses | 180,000 | 360,000 | 490,000 | 610,000 |
| Pretax income | 2,383,000 | 4,802,000 | 7,402,000 | 9,865,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,383,000 | 4,802,000 | 7,402,000 | 9,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,529,000 | 43,646,000 | 44,945,000 | 44,368,000 |
| Total capital | 46,273,000 | 47,426,000 | 48,906,000 | 48,442,000 |
| Risk-weighted assets | 297,802,000 | 300,591,000 | 315,149,000 | 324,160,000 |