Call reports 2007
CITIZENS STATE BANK — 2007
What CITIZENS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 216,546,000 | 217,021,000 | 218,692,000 | 231,621,000 |
| Total loans | 85,978,000 | 88,595,000 | 91,175,000 | 92,967,000 |
| Allowance for loan losses | 708,000 | 878,000 | 883,000 | 681,000 |
| Securities available for sale | 115,854,000 | 113,399,000 | 111,948,000 | 122,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,306,000 | 197,893,000 | 199,327,000 | 205,569,000 |
| Interest-bearing deposits | 163,155,000 | 162,259,000 | 161,874,000 | 164,455,000 |
| Noninterest-bearing deposits | 32,151,000 | 35,634,000 | 37,453,000 | 41,114,000 |
| Equity capital | 19,101,000 | 16,670,000 | 18,124,000 | 18,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,035,000 | 6,225,000 | 9,478,000 | 12,816,000 |
| Interest expense | 1,482,000 | 3,057,000 | 4,714,000 | 6,357,000 |
| Net interest income | 1,553,000 | 3,168,000 | 4,764,000 | 6,459,000 |
| Noninterest income | 348,000 | 712,000 | 1,124,000 | 1,500,000 |
| Noninterest expense | 1,081,000 | 2,212,000 | 3,406,000 | 4,550,000 |
| Provision for loan losses | 40,000 | 60,000 | 60,000 | 75,000 |
| Pretax income | 806,000 | 1,654,000 | 2,479,000 | 3,390,000 |
| Income tax | 154,000 | 317,000 | 471,000 | 644,000 |
| Net income | 652,000 | 1,337,000 | 2,008,000 | 2,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,427,000 | 16,335,000 | 17,028,000 | 17,163,000 |
| Total capital | 17,135,000 | 17,213,000 | 17,911,000 | 17,844,000 |
| Risk-weighted assets | 107,735,000 | 113,916,000 | 112,186,000 | 114,909,000 |
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