Call reports 2020
CITIZENS STATE BANK OF TYLER, INCORPORATED — 2020
What CITIZENS STATE BANK OF TYLER, INCORPORATED reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 22,566,000 | 25,658,000 | 24,867,000 | 29,395,000 |
| Total loans | 4,285,000 | 4,271,000 | 4,252,000 | 4,298,000 |
| Allowance for loan losses | 138,000 | 136,000 | 136,000 | 136,000 |
| Securities available for sale | 4,980,000 | 5,912,000 | 6,776,000 | 7,781,000 |
| Securities held to maturity | 181,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,143,000 | 23,207,000 | 22,416,000 | 26,943,000 |
| Interest-bearing deposits | 14,330,000 | 16,315,000 | 15,203,000 | 18,447,000 |
| Noninterest-bearing deposits | 5,813,000 | 6,892,000 | 7,213,000 | 8,496,000 |
| Equity capital | 2,358,000 | 2,377,000 | 2,385,000 | 2,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 155,000 | 276,000 | 423,000 | 539,000 |
| Interest expense | 4,000 | 8,000 | 12,000 | 16,000 |
| Net interest income | 151,000 | 268,000 | 411,000 | 523,000 |
| Noninterest income | 23,000 | 37,000 | 53,000 | 88,000 |
| Noninterest expense | 121,000 | 252,000 | 382,000 | 514,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | 52,000 | 55,000 | 68,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 8,000 |
| Net income | 36,000 | 50,000 | 52,000 | 60,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,273,000 | 2,284,000 | 2,284,000 | 2,291,000 |
| Total capital | 2,342,000 | 2,354,000 | 2,356,000 | 2,367,000 |
| Risk-weighted assets | 5,515,000 | 5,611,000 | 5,721,000 | 6,087,000 |