Call reports 2009
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2009
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 17,539,000 | 16,174,000 | 16,675,000 | 16,458,000 |
| Total loans | 5,927,000 | 6,055,000 | 6,079,000 | 6,393,000 |
| Allowance for loan losses | 127,000 | 127,000 | 119,000 | 127,000 |
| Securities available for sale | 7,421,000 | 7,130,000 | 6,712,000 | 6,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,804,000 | 14,422,000 | 14,895,000 | 14,704,000 |
| Interest-bearing deposits | 11,059,000 | 10,169,000 | 10,853,000 | 9,564,000 |
| Noninterest-bearing deposits | 4,745,000 | 4,253,000 | 4,042,000 | 5,140,000 |
| Equity capital | 1,685,000 | 1,688,000 | 1,727,000 | 1,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 167,000 | 328,000 | 482,000 | 627,000 |
| Interest expense | 23,000 | 41,000 | 56,000 | 67,000 |
| Net interest income | 144,000 | 287,000 | 426,000 | 560,000 |
| Noninterest income | 19,000 | 41,000 | 65,000 | 96,000 |
| Noninterest expense | 169,000 | 323,000 | 462,000 | 621,000 |
| Provision for loan losses | 4,000 | 9,000 | 9,000 | 9,000 |
| Pretax income | -10,000 | -4,000 | 30,000 | 36,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -10,000 | -4,000 | 30,000 | 36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,649,000 | 1,655,000 | 1,689,000 | 1,698,000 |
| Total capital | 1,751,000 | 1,768,000 | 1,800,000 | 1,812,000 |
| Risk-weighted assets | 8,105,000 | 9,037,000 | 8,872,000 | 9,095,000 |