Call reports 2005
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2005
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 14,471,000 | 14,591,000 | 15,038,000 | 16,363,000 |
| Total loans | 6,856,000 | 6,619,000 | 7,046,000 | 7,118,000 |
| Allowance for loan losses | 154,000 | 132,000 | 134,000 | 142,000 |
| Securities available for sale | 6,160,000 | 5,865,000 | 5,673,000 | 5,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,927,000 | 12,967,000 | 13,449,000 | 14,830,000 |
| Interest-bearing deposits | 9,463,000 | 10,014,000 | 10,206,000 | 10,481,000 |
| Noninterest-bearing deposits | 3,464,000 | 2,953,000 | 3,243,000 | 4,349,000 |
| Equity capital | 1,524,000 | 1,591,000 | 1,574,000 | 1,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 160,000 | 325,000 | 498,000 | 678,000 |
| Interest expense | 20,000 | 40,000 | 61,000 | 83,000 |
| Net interest income | 140,000 | 285,000 | 437,000 | 595,000 |
| Noninterest income | 26,000 | 49,000 | 75,000 | 106,000 |
| Noninterest expense | 127,000 | 241,000 | 355,000 | 570,000 |
| Provision for loan losses | 59,000 | 74,000 | 76,000 | 76,000 |
| Pretax income | -14,000 | 25,000 | 87,000 | 61,000 |
| Income tax | 12,000 | 15,000 | 18,000 | 22,000 |
| Net income | -26,000 | 10,000 | 69,000 | 39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,517,000 | 1,553,000 | 1,612,000 | 1,582,000 |
| Total capital | 1,662,000 | 1,685,000 | 1,746,000 | 1,724,000 |
| Risk-weighted assets | 11,622,000 | 11,403,000 | 11,880,000 | 12,173,000 |
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