Call reports 2003
CITIZENS BANK OF TEXAS, NATIONAL ASSOCIATION — 2003
What CITIZENS BANK OF TEXAS, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Total assets | 118,358,000 | 125,021,000 | 126,530,000 |
| Total loans | 92,332,000 | 98,787,000 | 106,479,000 |
| Allowance for loan losses | 1,482,000 | 1,540,000 | 1,480,000 |
| Securities available for sale | 2,532,000 | 2,566,000 | 3,525,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 100,369,000 | 106,754,000 | 104,439,000 |
| Interest-bearing deposits | 77,288,000 | 82,409,000 | 82,320,000 |
| Noninterest-bearing deposits | 23,081,000 | 24,345,000 | 22,119,000 |
| Equity capital | 17,793,000 | 18,050,000 | 18,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Interest income | 1,498,000 | 3,046,000 | 4,685,000 |
| Interest expense | 402,000 | 734,000 | 1,059,000 |
| Net interest income | 1,096,000 | 2,312,000 | 3,626,000 |
| Noninterest income | 339,000 | 632,000 | 911,000 |
| Noninterest expense | 1,095,000 | 2,215,000 | 3,301,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 |
| Pretax income | 295,000 | 639,000 | 1,101,000 |
| Income tax | 100,000 | 218,000 | 376,000 |
| Net income | 195,000 | 421,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 10,043,000 | 10,269,000 | 10,573,000 |
| Total capital | 11,211,000 | 11,502,000 | 11,879,000 |
| Risk-weighted assets | 93,143,000 | 98,327,000 | 104,320,000 |