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 | 78,619,000 | 80,369,000 | 80,112,000 | 83,320,000 |
| Total loans | 53,408,000 | 53,952,000 | 54,984,000 | 56,536,000 |
| Allowance for loan losses | 835,000 | 831,000 | 828,000 | 827,000 |
| Securities available for sale | 9,370,000 | 8,800,000 | 8,853,000 | 8,988,000 |
| Securities held to maturity | 9,722,000 | 9,481,000 | 9,300,000 | 9,191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,354,000 | 70,870,000 | 70,264,000 | 73,820,000 |
| Interest-bearing deposits | 58,655,000 | 59,018,000 | 57,658,000 | 60,338,000 |
| Noninterest-bearing deposits | 10,699,000 | 11,852,000 | 12,606,000 | 13,482,000 |
| Equity capital | 8,793,000 | 8,942,000 | 9,177,000 | 8,909,000 |
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 | 1,123,000 | 2,283,000 | 3,462,000 | 4,669,000 |
| Interest expense | 492,000 | 1,007,000 | 1,540,000 | 2,063,000 |
| Net interest income | 631,000 | 1,276,000 | 1,922,000 | 2,606,000 |
| Noninterest income | 70,000 | 145,000 | 234,000 | 362,000 |
| Noninterest expense | 525,000 | 1,038,000 | 1,552,000 | 2,075,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 176,000 | 383,000 | 613,000 | 903,000 |
| Income tax | 37,000 | 84,000 | 141,000 | 223,000 |
| Net income | 139,000 | 299,000 | 472,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,363,000 | 7,523,000 | 7,696,000 | 7,392,000 |
| Total capital | 8,053,000 | 8,226,000 | 8,412,000 | 8,127,000 |
| Risk-weighted assets | 55,051,000 | 56,097,000 | 57,176,000 | 58,697,000 |
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