Call reports 2012
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2012
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 18,607,000 | 18,548,000 | 18,278,000 | 19,676,000 |
| Total loans | 4,820,000 | 4,715,000 | 4,806,000 | 5,378,000 |
| Allowance for loan losses | 212,000 | 199,000 | 191,000 | 209,000 |
| Securities available for sale | 8,466,000 | 7,782,000 | 7,253,000 | 7,259,000 |
| Securities held to maturity | 7,000 | 3,000 | 49,000 | 41,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,864,000 | 16,765,000 | 16,483,000 | 17,933,000 |
| Interest-bearing deposits | 11,770,000 | 11,792,000 | 11,169,000 | 11,883,000 |
| Noninterest-bearing deposits | 5,094,000 | 4,973,000 | 5,314,000 | 6,050,000 |
| Equity capital | 1,626,000 | 1,678,000 | 1,683,000 | 1,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 137,000 | 267,000 | 393,000 | 518,000 |
| Interest expense | 5,000 | 10,000 | 15,000 | 20,000 |
| Net interest income | 132,000 | 257,000 | 378,000 | 498,000 |
| Noninterest income | 13,000 | 24,000 | 39,000 | 86,000 |
| Noninterest expense | 139,000 | 250,000 | 397,000 | 517,000 |
| Provision for loan losses | 4,000 | 0 | 0 | 18,000 |
| Pretax income | 2,000 | 52,000 | 50,000 | 80,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | 2,000 | 52,000 | 50,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,538,000 | 1,588,000 | 1,586,000 | 1,610,000 |
| Total capital | 1,668,000 | 1,714,000 | 1,722,000 | 1,708,000 |
| Risk-weighted assets | 10,311,000 | 10,030,000 | 10,804,000 | 7,700,000 |