Call reports 2002
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2002
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 13,608,000 | 13,256,000 | 14,172,000 | 16,170,000 |
| Total loans | 5,091,000 | 5,355,000 | 5,085,000 | 4,721,000 |
| Allowance for loan losses | 135,000 | 83,000 | 77,000 | 82,000 |
| Securities available for sale | 4,300,000 | 4,945,000 | 4,711,000 | 4,885,000 |
| Securities held to maturity | 317,000 | 193,000 | 190,000 | 178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,204,000 | 11,779,000 | 12,554,000 | 14,644,000 |
| Interest-bearing deposits | 9,467,000 | 9,530,000 | 9,139,000 | 11,550,000 |
| Noninterest-bearing deposits | 2,737,000 | 2,249,000 | 3,415,000 | 3,094,000 |
| Equity capital | 1,370,000 | 1,442,000 | 1,538,000 | 1,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 168,000 | 344,000 | 519,000 | 689,000 |
| Interest expense | 53,000 | 104,000 | 148,000 | 193,000 |
| Net interest income | 115,000 | 240,000 | 371,000 | 496,000 |
| Noninterest income | 23,000 | 54,000 | 84,000 | 113,000 |
| Noninterest expense | 121,000 | 227,000 | 329,000 | 538,000 |
| Provision for loan losses | 47,000 | 63,000 | 63,000 | 63,000 |
| Pretax income | -30,000 | 4,000 | 63,000 | 8,000 |
| Income tax | 3,000 | 8,000 | 13,000 | 4,000 |
| Net income | -33,000 | -4,000 | 55,000 | 9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,377,000 | 1,406,000 | 1,465,000 | 1,419,000 |
| Total capital | 1,476,000 | 1,489,000 | 1,542,000 | 1,501,000 |
| Risk-weighted assets | 7,921,000 | 8,307,000 | 8,602,000 | 8,973,000 |
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