Call reports 2016
TEXAS CITIZENS BANK, NATIONAL ASSOCIATION — 2016
What TEXAS CITIZENS BANK, NATIONAL ASSOCIATION 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 | 382,127,000 | 394,252,000 | 402,607,000 | 396,242,000 |
| Total loans | 326,030,000 | 323,984,000 | 333,169,000 | 335,965,000 |
| Allowance for loan losses | 4,279,000 | 4,285,000 | 4,521,000 | 4,264,000 |
| Securities available for sale | 9,831,000 | 9,050,000 | 10,020,000 | 9,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,070,000 | 325,322,000 | 333,741,000 | 322,641,000 |
| Interest-bearing deposits | 209,019,000 | 205,389,000 | 205,639,000 | 198,016,000 |
| Noninterest-bearing deposits | 122,051,000 | 119,933,000 | 128,102,000 | 124,625,000 |
| Equity capital | 35,167,000 | 35,961,000 | 36,490,000 | 36,954,000 |
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 | 4,769,000 | 9,662,000 | 14,618,000 | 19,539,000 |
| Interest expense | 293,000 | 597,000 | 915,000 | 1,226,000 |
| Net interest income | 4,476,000 | 9,065,000 | 13,703,000 | 18,313,000 |
| Noninterest income | 506,000 | 975,000 | 1,509,000 | 1,622,000 |
| Noninterest expense | 4,107,000 | 7,993,000 | 12,054,000 | 15,680,000 |
| Provision for loan losses | 230,000 | 225,000 | 535,000 | 869,000 |
| Pretax income | 645,000 | 1,822,000 | 2,623,000 | 3,386,000 |
| Income tax | 216,000 | 607,000 | 875,000 | 1,125,000 |
| Net income | 429,000 | 1,215,000 | 1,748,000 | 2,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,647,000 | 35,929,000 | 36,462,000 | 36,975,000 |
| Total capital | 38,926,000 | 40,214,000 | 40,983,000 | 41,239,000 |
| Risk-weighted assets | 360,258,000 | 359,822,000 | 362,750,000 | 365,722,000 |