Call reports 2004
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2004
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 15,703,000 | 15,561,000 | 15,153,000 | 16,116,000 |
| Total loans | 5,273,000 | 5,528,000 | 5,886,000 | 7,046,000 |
| Allowance for loan losses | 128,000 | 139,000 | 139,000 | 146,000 |
| Securities available for sale | 8,403,000 | 7,924,000 | 7,710,000 | 6,980,000 |
| Securities held to maturity | 5,000 | 5,000 | 3,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,092,000 | 13,962,000 | 13,436,000 | 14,452,000 |
| Interest-bearing deposits | 11,100,000 | 10,741,000 | 10,229,000 | 10,769,000 |
| Noninterest-bearing deposits | 2,992,000 | 3,221,000 | 3,207,000 | 3,683,000 |
| Equity capital | 1,545,000 | 1,561,000 | 1,650,000 | 1,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 169,000 | 334,000 | 505,000 | 682,000 |
| Interest expense | 30,000 | 55,000 | 79,000 | 99,000 |
| Net interest income | 139,000 | 279,000 | 426,000 | 583,000 |
| Noninterest income | 24,000 | 44,000 | 69,000 | 96,000 |
| Noninterest expense | 112,000 | 227,000 | 338,000 | 556,000 |
| Provision for loan losses | 13,000 | 21,000 | 21,000 | 24,000 |
| Pretax income | 38,000 | 73,000 | 134,000 | 106,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 8,000 |
| Net income | 37,000 | 72,000 | 132,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,482,000 | 1,518,000 | 1,577,000 | 1,543,000 |
| Total capital | 1,610,000 | 1,657,000 | 1,716,000 | 1,689,000 |
| Risk-weighted assets | 10,867,000 | 11,089,000 | 11,198,000 | 12,265,000 |
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