Call reports 2015
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2015
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 20,462,000 | 19,388,000 | 19,559,000 | 23,538,000 |
| Total loans | 4,908,000 | 5,013,000 | 4,879,000 | 5,123,000 |
| Allowance for loan losses | 176,000 | 167,000 | 171,000 | 170,000 |
| Securities available for sale | 6,518,000 | 6,670,000 | 6,203,000 | 6,288,000 |
| Securities held to maturity | 101,000 | 101,000 | 101,000 | 64,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,543,000 | 17,203,000 | 17,629,000 | 21,614,000 |
| Interest-bearing deposits | 13,257,000 | 12,154,000 | 12,403,000 | 15,140,000 |
| Noninterest-bearing deposits | 5,286,000 | 5,049,000 | 5,226,000 | 6,474,000 |
| Equity capital | 1,865,000 | 1,852,000 | 1,879,000 | 1,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 120,000 | 242,000 | 363,000 | 483,000 |
| Interest expense | 6,000 | 12,000 | 19,000 | 24,000 |
| Net interest income | 114,000 | 230,000 | 344,000 | 459,000 |
| Noninterest income | 22,000 | 45,000 | 54,000 | 81,000 |
| Noninterest expense | 110,000 | 228,000 | 349,000 | 461,000 |
| Provision for loan losses | 4,000 | 4,000 | 0 | 0 |
| Pretax income | 26,000 | 49,000 | 55,000 | 85,000 |
| Income tax | 0 | 5,000 | 6,000 | 10,000 |
| Net income | 26,000 | 44,000 | 49,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,865,000 | 1,852,000 | 1,879,000 | 1,890,000 |
| Total capital | 1,944,000 | 1,933,000 | 1,958,000 | 1,971,000 |
| Risk-weighted assets | 6,203,000 | 6,388,000 | 6,164,000 | 6,364,000 |