Call reports 2020
TEXAS CITIZENS BANK, NATIONAL ASSOCIATION — 2020
What TEXAS CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 516,766,000 | 579,223,000 | 557,467,000 | 534,142,000 |
| Total loans | 403,655,000 | 468,701,000 | 458,305,000 | 418,211,000 |
| Allowance for loan losses | 8,797,000 | 7,946,000 | 7,282,000 | 7,399,000 |
| Securities available for sale | 1,197,000 | 1,120,000 | 1,005,000 | 856,000 |
| Securities held to maturity | 0 | 0 | 3,500,000 | 6,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,775,000 | 443,578,000 | 430,902,000 | 419,286,000 |
| Interest-bearing deposits | 259,570,000 | 248,023,000 | 239,710,000 | 245,186,000 |
| Noninterest-bearing deposits | 147,205,000 | 195,555,000 | 191,192,000 | 174,100,000 |
| Equity capital | 51,483,000 | 51,795,000 | 53,185,000 | 54,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,247,000 | 12,900,000 | 18,726,000 | 24,707,000 |
| Interest expense | 1,153,000 | 2,018,000 | 2,646,000 | 3,122,000 |
| Net interest income | 5,094,000 | 10,882,000 | 16,080,000 | 21,585,000 |
| Noninterest income | 316,000 | 609,000 | 1,023,000 | 1,322,000 |
| Noninterest expense | 5,609,000 | 10,585,000 | 15,196,000 | 19,686,000 |
| Provision for loan losses | 1,318,000 | 1,951,000 | 1,206,000 | 1,206,000 |
| Pretax income | -1,516,000 | -1,137,000 | 606,000 | 2,106,000 |
| Income tax | -331,000 | -263,000 | 88,000 | 385,000 |
| Net income | -1,185,000 | -874,000 | 518,000 | 1,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,483,000 | 51,787,000 | 53,180,000 | 54,383,000 |
| Total capital | 56,872,000 | 56,888,000 | 58,177,000 | 59,205,000 |
| Risk-weighted assets | 427,744,000 | 405,240,000 | 397,486,000 | 383,144,000 |