Call reports 2014
TEXAS CITIZENS BANK, NATIONAL ASSOCIATION — 2014
What TEXAS CITIZENS BANK, NATIONAL ASSOCIATION 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 | 328,362,000 | 313,474,000 | 316,375,000 | 340,548,000 |
| Total loans | 245,615,000 | 254,291,000 | 264,032,000 | 283,839,000 |
| Allowance for loan losses | 3,192,000 | 3,367,000 | 3,561,000 | 3,696,000 |
| Securities available for sale | 8,381,000 | 8,379,000 | 8,673,000 | 8,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,127,000 | 272,300,000 | 274,632,000 | 298,037,000 |
| Interest-bearing deposits | 198,395,000 | 182,348,000 | 178,033,000 | 197,629,000 |
| Noninterest-bearing deposits | 88,732,000 | 89,952,000 | 96,599,000 | 100,408,000 |
| Equity capital | 31,875,000 | 32,257,000 | 32,575,000 | 33,186,000 |
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 | 3,845,000 | 7,834,000 | 11,892,000 | 16,183,000 |
| Interest expense | 318,000 | 614,000 | 886,000 | 1,156,000 |
| Net interest income | 3,527,000 | 7,220,000 | 11,006,000 | 15,027,000 |
| Noninterest income | 681,000 | 1,270,000 | 1,662,000 | 2,329,000 |
| Noninterest expense | 3,499,000 | 7,089,000 | 10,730,000 | 14,262,000 |
| Provision for loan losses | 0 | 178,000 | 366,000 | 662,000 |
| Pretax income | 709,000 | 1,223,000 | 1,572,000 | 2,432,000 |
| Income tax | 234,000 | 409,000 | 529,000 | 806,000 |
| Net income | 475,000 | 814,000 | 1,043,000 | 1,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,720,000 | 30,161,000 | 30,554,000 | 31,404,000 |
| Total capital | 32,912,000 | 33,528,000 | 34,060,000 | 35,100,000 |
| Risk-weighted assets | 260,418,000 | 271,098,000 | 280,468,000 | 304,802,000 |
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