Call reports 2015
TEXAS CITIZENS BANK, NATIONAL ASSOCIATION — 2015
What TEXAS CITIZENS BANK, NATIONAL ASSOCIATION 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 | 351,414,000 | 361,755,000 | 371,966,000 | 373,117,000 |
| Total loans | 288,936,000 | 298,529,000 | 314,377,000 | 318,630,000 |
| Allowance for loan losses | 3,827,000 | 3,935,000 | 4,173,000 | 4,180,000 |
| Securities available for sale | 8,381,000 | 8,341,000 | 11,838,000 | 9,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,138,000 | 318,624,000 | 328,575,000 | 328,813,000 |
| Interest-bearing deposits | 199,420,000 | 200,677,000 | 206,492,000 | 209,973,000 |
| Noninterest-bearing deposits | 109,718,000 | 117,947,000 | 122,083,000 | 118,840,000 |
| Equity capital | 33,684,000 | 34,417,000 | 34,864,000 | 34,701,000 |
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 | 4,342,000 | 8,788,000 | 13,479,000 | 18,185,000 |
| Interest expense | 272,000 | 548,000 | 832,000 | 1,115,000 |
| Net interest income | 4,070,000 | 8,240,000 | 12,647,000 | 17,070,000 |
| Noninterest income | 336,000 | 987,000 | 1,303,000 | 1,976,000 |
| Noninterest expense | 3,650,000 | 7,366,000 | 11,056,000 | 15,016,000 |
| Provision for loan losses | 122,000 | 316,000 | 739,000 | 2,071,000 |
| Pretax income | 634,000 | 1,545,000 | 2,155,000 | 1,959,000 |
| Income tax | 209,000 | 510,000 | 714,000 | 665,000 |
| Net income | 425,000 | 1,035,000 | 1,441,000 | 1,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,851,000 | 33,995,000 | 34,377,000 | 34,038,000 |
| Total capital | 35,678,000 | 37,930,000 | 38,550,000 | 38,218,000 |
| Risk-weighted assets | 319,201,000 | 328,981,000 | 341,444,000 | 348,115,000 |