Call reports 2007
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2007
What CITIZENS STATE BANK AND TRUST COMPANY, THE 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 | 7,149,000 | 7,012,000 | 6,848,000 | 7,251,000 |
| Total loans | 4,834,000 | 5,363,000 | 4,986,000 | 4,743,000 |
| Allowance for loan losses | 58,000 | 55,000 | 55,000 | 55,000 |
| Securities available for sale | 1,002,000 | 750,000 | 757,000 | 511,000 |
| Securities held to maturity | 3,000 | 3,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,078,000 | 5,842,000 | 5,758,000 | 6,168,000 |
| Interest-bearing deposits | 5,237,000 | 5,041,000 | 4,843,000 | 5,189,000 |
| Noninterest-bearing deposits | 841,000 | 801,000 | 915,000 | 979,000 |
| Equity capital | 985,000 | 1,029,000 | 1,066,000 | 1,058,000 |
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 | 108,000 | 242,000 | 358,000 | 489,000 |
| Interest expense | 31,000 | 63,000 | 92,000 | 120,000 |
| Net interest income | 77,000 | 179,000 | 266,000 | 369,000 |
| Noninterest income | 11,000 | 27,000 | 58,000 | 64,000 |
| Noninterest expense | 69,000 | 138,000 | 227,000 | 310,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 19,000 | 68,000 | 97,000 | 123,000 |
| Income tax | 0 | 4,000 | 1,000 | 36,000 |
| Net income | 19,000 | 64,000 | 96,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 989,000 | 1,034,000 | 1,066,000 | 1,058,000 |
| Total capital | 1,047,000 | 1,089,000 | 1,121,000 | 1,113,000 |
| Risk-weighted assets | 5,271,000 | 5,673,000 | 5,346,000 | 5,249,000 |
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