Call reports 2010
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2010
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 16,309,000 | 15,737,000 | 14,791,000 | 16,515,000 |
| Total loans | 5,940,000 | 6,138,000 | 5,814,000 | 6,148,000 |
| Allowance for loan losses | 89,000 | 111,000 | 73,000 | 104,000 |
| Securities available for sale | 6,723,000 | 6,286,000 | 6,590,000 | 6,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,658,000 | 14,076,000 | 13,035,000 | 14,876,000 |
| Interest-bearing deposits | 9,551,000 | 9,995,000 | 9,234,000 | 10,627,000 |
| Noninterest-bearing deposits | 5,107,000 | 4,081,000 | 3,801,000 | 4,249,000 |
| Equity capital | 1,633,000 | 1,633,000 | 1,704,000 | 1,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 141,000 | 276,000 | 418,000 | 539,000 |
| Interest expense | 10,000 | 19,000 | 29,000 | 39,000 |
| Net interest income | 131,000 | 257,000 | 389,000 | 500,000 |
| Noninterest income | 27,000 | 55,000 | 77,000 | 106,000 |
| Noninterest expense | 155,000 | 294,000 | 421,000 | 565,000 |
| Provision for loan losses | 83,000 | 105,000 | 105,000 | 153,000 |
| Pretax income | -80,000 | -87,000 | -60,000 | -112,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -80,000 | -87,000 | -60,000 | -112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,615,000 | 1,608,000 | 1,635,000 | 1,582,000 |
| Total capital | 1,704,000 | 1,719,000 | 1,708,000 | 1,686,000 |
| Risk-weighted assets | 8,609,000 | 9,291,000 | 9,132,000 | 9,579,000 |