Call reports 2008
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2008
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 15,297,000 | 15,140,000 | 15,025,000 | 16,885,000 |
| Total loans | 5,697,000 | 5,716,000 | 5,920,000 | 6,142,000 |
| Allowance for loan losses | 164,000 | 125,000 | 128,000 | 128,000 |
| Securities available for sale | 3,861,000 | 5,221,000 | 5,862,000 | 6,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,575,000 | 13,451,000 | 13,291,000 | 15,138,000 |
| Interest-bearing deposits | 4,316,000 | 9,393,000 | 9,049,000 | 10,284,000 |
| Noninterest-bearing deposits | 9,259,000 | 4,058,000 | 4,242,000 | 4,854,000 |
| Equity capital | 1,670,000 | 1,624,000 | 1,644,000 | 1,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 175,000 | 340,000 | 512,000 | 684,000 |
| Interest expense | 33,000 | 60,000 | 86,000 | 113,000 |
| Net interest income | 142,000 | 280,000 | 426,000 | 571,000 |
| Noninterest income | 27,000 | 52,000 | 75,000 | 107,000 |
| Noninterest expense | 163,000 | 338,000 | 496,000 | 662,000 |
| Provision for loan losses | 0 | 8,000 | 11,000 | 11,000 |
| Pretax income | 8,000 | -12,000 | -4,000 | 7,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 8,000 | -12,000 | -4,000 | 7,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,659,000 | 1,639,000 | 1,648,000 | 1,659,000 |
| Total capital | 1,754,000 | 1,736,000 | 1,746,000 | 1,763,000 |
| Risk-weighted assets | 7,560,000 | 7,760,000 | 7,842,000 | 8,275,000 |