Call reports 2013
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2013
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 20,352,000 | 19,105,000 | 18,725,000 | 19,708,000 |
| Total loans | 4,956,000 | 5,110,000 | 5,247,000 | 5,580,000 |
| Allowance for loan losses | 211,000 | 214,000 | 214,000 | 210,000 |
| Securities available for sale | 8,143,000 | 7,010,000 | 7,383,000 | 6,850,000 |
| Securities held to maturity | 41,000 | 41,000 | 41,000 | 38,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,598,000 | 17,433,000 | 17,000,000 | 18,001,000 |
| Interest-bearing deposits | 12,409,000 | 12,554,000 | 12,024,000 | 12,265,000 |
| Noninterest-bearing deposits | 6,189,000 | 4,879,000 | 4,976,000 | 5,736,000 |
| Equity capital | 1,698,000 | 1,661,000 | 1,709,000 | 1,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 120,000 | 237,000 | 359,000 | 485,000 |
| Interest expense | 5,000 | 11,000 | 17,000 | 24,000 |
| Net interest income | 115,000 | 226,000 | 342,000 | 461,000 |
| Noninterest income | 15,000 | 28,000 | 46,000 | 70,000 |
| Noninterest expense | 109,000 | 206,000 | 309,000 | 444,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 21,000 | 89,000 | 120,000 | 130,000 |
| Income tax | 0 | 0 | 0 | 20,000 |
| Net income | 21,000 | 89,000 | 120,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,631,000 | 1,699,000 | 1,730,000 | 1,719,000 |
| Total capital | 1,727,000 | 1,795,000 | 1,828,000 | 1,822,000 |
| Risk-weighted assets | 7,582,000 | 7,562,000 | 7,756,000 | 8,103,000 |