Call reports 2016
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2016
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 22,660,000 | 20,734,000 | 21,463,000 | 23,804,000 |
| Total loans | 4,911,000 | 4,860,000 | 5,007,000 | 4,816,000 |
| Allowance for loan losses | 170,000 | 167,000 | 167,000 | 142,000 |
| Securities available for sale | 7,122,000 | 7,585,000 | 7,562,000 | 7,653,000 |
| Securities held to maturity | 64,000 | 44,000 | 44,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,666,000 | 18,671,000 | 19,424,000 | 21,829,000 |
| Interest-bearing deposits | 14,383,000 | 12,881,000 | 13,418,000 | 13,267,000 |
| Noninterest-bearing deposits | 6,283,000 | 5,790,000 | 6,006,000 | 8,562,000 |
| Equity capital | 1,938,000 | 1,987,000 | 1,981,000 | 1,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 122,000 | 243,000 | 363,000 | 483,000 |
| Interest expense | 6,000 | 11,000 | 17,000 | 22,000 |
| Net interest income | 116,000 | 232,000 | 346,000 | 461,000 |
| Noninterest income | 24,000 | 47,000 | 72,000 | 103,000 |
| Noninterest expense | 112,000 | 223,000 | 337,000 | 459,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 28,000 | 59,000 | 84,000 | 98,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 7,000 |
| Net income | 27,000 | 57,000 | 81,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,938,000 | 1,950,000 | 1,981,000 | 2,015,000 |
| Total capital | 2,019,000 | 2,031,000 | 2,064,000 | 2,096,000 |
| Risk-weighted assets | 6,383,000 | 6,427,000 | 6,558,000 | 6,487,000 |