Call reports 2007
TEXAS CITIZENS BANK, NATIONAL ASSOCIATION — 2007
What TEXAS CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 60,010,000 | 71,729,000 | 92,418,000 | 93,073,000 |
| Total loans | 25,965,000 | 40,825,000 | 53,320,000 | 66,427,000 |
| Allowance for loan losses | 384,000 | 571,000 | 738,000 | 929,000 |
| Securities available for sale | 15,516,000 | 15,137,000 | 14,546,000 | 11,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,341,000 | 54,320,000 | 74,823,000 | 74,942,000 |
| Interest-bearing deposits | 32,184,000 | 38,156,000 | 58,155,000 | 56,072,000 |
| Noninterest-bearing deposits | 10,157,000 | 16,164,000 | 16,668,000 | 18,870,000 |
| Equity capital | 17,542,000 | 17,122,000 | 17,123,000 | 16,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 885,000 | 2,015,000 | 3,399,000 | 4,946,000 |
| Interest expense | 297,000 | 672,000 | 1,136,000 | 1,733,000 |
| Net interest income | 588,000 | 1,343,000 | 2,263,000 | 3,213,000 |
| Noninterest income | 26,000 | 91,000 | 128,000 | 227,000 |
| Noninterest expense | 671,000 | 1,570,000 | 2,463,000 | 3,442,000 |
| Provision for loan losses | 130,000 | 317,000 | 479,000 | 771,000 |
| Pretax income | -187,000 | -453,000 | -551,000 | -769,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -187,000 | -453,000 | -551,000 | -769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,523,000 | 17,191,000 | 17,143,000 | 16,934,000 |
| Total capital | 17,907,000 | 17,762,000 | 17,881,000 | 17,863,000 |
| Risk-weighted assets | 32,467,000 | 46,964,000 | 64,258,000 | 75,190,000 |
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