Call reports 2003
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2003
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 15,117,000 | 15,032,000 | 16,096,000 | 16,999,000 |
| Total loans | 4,475,000 | 4,433,000 | 4,812,000 | 5,269,000 |
| Allowance for loan losses | 86,000 | 86,000 | 86,000 | 115,000 |
| Securities available for sale | 5,779,000 | 7,087,000 | 7,252,000 | 7,789,000 |
| Securities held to maturity | 140,000 | 135,000 | 132,000 | 76,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,524,000 | 13,414,000 | 14,469,000 | 15,370,000 |
| Interest-bearing deposits | 10,956,000 | 10,689,000 | 12,029,000 | 11,856,000 |
| Noninterest-bearing deposits | 2,568,000 | 2,725,000 | 2,440,000 | 3,514,000 |
| Equity capital | 1,516,000 | 1,556,000 | 1,568,000 | 1,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 151,000 | 312,000 | 479,000 | 639,000 |
| Interest expense | 42,000 | 79,000 | 119,000 | 154,000 |
| Net interest income | 109,000 | 233,000 | 360,000 | 485,000 |
| Noninterest income | 19,000 | 43,000 | 68,000 | 99,000 |
| Noninterest expense | 99,000 | 215,000 | 318,000 | 530,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 29,000 | 61,000 | 110,000 | 29,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 26,000 | 58,000 | 107,000 | 26,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,445,000 | 1,477,000 | 1,526,000 | 1,445,000 |
| Total capital | 1,531,000 | 1,563,000 | 1,612,000 | 1,560,000 |
| Risk-weighted assets | 8,522,000 | 9,265,000 | 10,292,000 | 11,012,000 |
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