Call reports 2016
CITIZENS BANK OF LAS CRUCES — 2016
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 510,852,000 | 492,463,000 | 503,404,000 | 523,130,000 |
| Total loans | 276,511,000 | 280,548,000 | 296,348,000 | 303,112,000 |
| Allowance for loan losses | 5,912,000 | 6,022,000 | 6,073,000 | 6,180,000 |
| Securities available for sale | 187,747,000 | 180,027,000 | 175,691,000 | 167,879,000 |
| Securities held to maturity | 1,806,000 | 644,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 457,747,000 | 429,669,000 | 440,900,000 | 472,465,000 |
| Interest-bearing deposits | 337,528,000 | 310,145,000 | 317,229,000 | 338,105,000 |
| Noninterest-bearing deposits | 120,219,000 | 119,524,000 | 123,671,000 | 134,360,000 |
| Equity capital | 50,070,000 | 52,338,000 | 51,331,000 | 46,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,761,000 | 9,500,000 | 14,352,000 | 19,400,000 |
| Interest expense | 272,000 | 500,000 | 735,000 | 974,000 |
| Net interest income | 4,489,000 | 9,000,000 | 13,617,000 | 18,426,000 |
| Noninterest income | 1,397,000 | 2,921,000 | 4,576,000 | 6,362,000 |
| Noninterest expense | 3,404,000 | 6,902,000 | 10,511,000 | 14,323,000 |
| Provision for loan losses | 110,000 | 232,000 | 367,000 | 502,000 |
| Pretax income | 2,372,000 | 4,882,000 | 7,410,000 | 10,058,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,372,000 | 4,882,000 | 7,410,000 | 10,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,740,000 | 47,736,000 | 47,229,000 | 47,057,000 |
| Total capital | 50,918,000 | 51,938,000 | 51,610,000 | 51,545,000 |
| Risk-weighted assets | 332,539,000 | 334,308,000 | 348,810,000 | 357,363,000 |