Call reports 2020
CITIZENS BANK OF LAS CRUCES — 2020
What CITIZENS BANK OF LAS CRUCES reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 641,427,000 | 706,062,000 | 744,061,000 | 762,020,000 |
| Total loans | 449,515,000 | 511,817,000 | 528,099,000 | 506,847,000 |
| Allowance for loan losses | 7,961,000 | 8,070,000 | 8,217,000 | 8,339,000 |
| Securities available for sale | 129,541,000 | 77,994,000 | 82,124,000 | 101,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 565,987,000 | 626,190,000 | 662,926,000 | 678,676,000 |
| Interest-bearing deposits | 385,141,000 | 394,815,000 | 418,463,000 | 427,590,000 |
| Noninterest-bearing deposits | 180,846,000 | 231,375,000 | 244,463,000 | 251,086,000 |
| Equity capital | 69,943,000 | 74,625,000 | 76,469,000 | 77,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,143,000 | 14,504,000 | 21,469,000 | 28,826,000 |
| Interest expense | 538,000 | 927,000 | 1,239,000 | 1,549,000 |
| Net interest income | 6,605,000 | 13,577,000 | 20,230,000 | 27,277,000 |
| Noninterest income | 1,798,000 | 3,726,000 | 5,992,000 | 8,615,000 |
| Noninterest expense | 4,737,000 | 9,413,000 | 14,309,000 | 19,519,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 3,531,000 | 11,792,000 | 15,680,000 | 20,005,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,531,000 | 11,792,000 | 15,680,000 | 20,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,627,000 | 71,830,000 | 73,641,000 | 74,552,000 |
| Total capital | 72,153,000 | 77,971,000 | 79,903,000 | 80,864,000 |
| Risk-weighted assets | 520,689,000 | 489,351,000 | 499,045,000 | 502,943,000 |