Call reports 2014
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2014
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 18,782,000 | 18,811,000 | 19,043,000 | 20,550,000 |
| Total loans | 5,045,000 | 4,970,000 | 4,859,000 | 5,143,000 |
| Allowance for loan losses | 210,000 | 195,000 | 171,000 | 175,000 |
| Securities available for sale | 6,903,000 | 6,264,000 | 5,955,000 | 5,812,000 |
| Securities held to maturity | 38,000 | 38,000 | 138,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,027,000 | 17,006,000 | 17,203,000 | 18,699,000 |
| Interest-bearing deposits | 11,790,000 | 12,306,000 | 12,354,000 | 13,170,000 |
| Noninterest-bearing deposits | 5,237,000 | 4,700,000 | 4,849,000 | 5,528,000 |
| Equity capital | 1,725,000 | 1,772,000 | 1,802,000 | 1,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 120,000 | 228,000 | 351,000 | 471,000 |
| Interest expense | 5,000 | 12,000 | 19,000 | 26,000 |
| Net interest income | 115,000 | 216,000 | 332,000 | 445,000 |
| Noninterest income | 18,000 | 43,000 | 67,000 | 99,000 |
| Noninterest expense | 108,000 | 210,000 | 326,000 | 456,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 26,000 | 50,000 | 87,000 | 99,000 |
| Income tax | 3,000 | 5,000 | 7,000 | 0 |
| Net income | 23,000 | 45,000 | 80,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,742,000 | 1,764,000 | 1,799,000 | 1,818,000 |
| Total capital | 1,838,000 | 1,857,000 | 1,892,000 | 1,916,000 |
| Risk-weighted assets | 7,558,000 | 7,347,000 | 7,330,000 | 7,799,000 |