Call reports 2019
TEXAS CITIZENS BANK, NATIONAL ASSOCIATION — 2019
What TEXAS CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 554,572,000 | 540,030,000 | 520,939,000 | 516,750,000 |
| Total loans | 459,581,000 | 442,604,000 | 434,061,000 | 408,145,000 |
| Allowance for loan losses | 9,096,000 | 7,973,000 | 8,348,000 | 7,796,000 |
| Securities available for sale | 1,356,000 | 1,665,000 | 1,240,000 | 1,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,811,000 | 429,216,000 | 420,721,000 | 420,992,000 |
| Interest-bearing deposits | 267,275,000 | 254,215,000 | 244,194,000 | 243,877,000 |
| Noninterest-bearing deposits | 172,536,000 | 175,001,000 | 176,527,000 | 177,115,000 |
| Equity capital | 47,988,000 | 48,802,000 | 52,118,000 | 52,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,333,000 | 14,741,000 | 21,817,000 | 28,800,000 |
| Interest expense | 1,418,000 | 2,883,000 | 4,243,000 | 5,399,000 |
| Net interest income | 5,915,000 | 11,858,000 | 17,574,000 | 23,401,000 |
| Noninterest income | 406,000 | 1,062,000 | 1,627,000 | 2,117,000 |
| Noninterest expense | 5,171,000 | 10,279,000 | 15,285,000 | 20,439,000 |
| Provision for loan losses | 1,999,000 | 2,475,000 | 2,872,000 | 3,408,000 |
| Pretax income | -849,000 | 170,000 | 1,067,000 | 1,744,000 |
| Income tax | -188,000 | 18,000 | 192,000 | 328,000 |
| Net income | -661,000 | 152,000 | 875,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,988,000 | 48,808,000 | 52,120,000 | 52,662,000 |
| Total capital | 54,076,000 | 54,684,000 | 57,864,000 | 58,094,000 |
| Risk-weighted assets | 484,110,000 | 467,909,000 | 456,990,000 | 432,200,000 |