Call reports 2002
CITIZENS BANK OF TEXAS, NATIONAL ASSOCIATION — 2002
What CITIZENS BANK OF TEXAS, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 129,806,000 | 126,140,000 | 129,087,000 | 120,018,000 |
| Total loans | 92,352,000 | 88,973,000 | 92,529,000 | 91,918,000 |
| Allowance for loan losses | 1,211,000 | 1,241,000 | 1,085,000 | 1,436,000 |
| Securities available for sale | 1,579,000 | 1,575,000 | 1,561,000 | 1,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,983,000 | 108,661,000 | 111,506,000 | 102,122,000 |
| Interest-bearing deposits | 87,245,000 | 86,507,000 | 87,815,000 | 80,863,000 |
| Noninterest-bearing deposits | 22,738,000 | 22,154,000 | 23,691,000 | 21,259,000 |
| Equity capital | 19,477,000 | 17,134,000 | 17,298,000 | 17,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,755,000 | 3,446,000 | 5,150,000 | 6,711,000 |
| Interest expense | 630,000 | 1,271,000 | 1,890,000 | 2,387,000 |
| Net interest income | 1,125,000 | 2,175,000 | 3,260,000 | 4,324,000 |
| Noninterest income | 303,000 | 574,000 | 858,000 | 1,146,000 |
| Noninterest expense | 908,000 | 5,753,000 | 6,837,000 | 8,408,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 1,520,000 |
| Pretax income | 490,000 | -3,064,000 | -2,809,000 | -4,458,000 |
| Income tax | 167,000 | -1,042,000 | -956,000 | -1,514,000 |
| Net income | 323,000 | -2,022,000 | -1,853,000 | -2,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,715,000 | 9,370,000 | 9,539,000 | 9,848,000 |
| Total capital | 12,900,000 | 10,544,000 | 10,624,000 | 11,024,000 |
| Risk-weighted assets | 94,747,000 | 93,857,000 | 95,805,000 | 93,843,000 |