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 | 49,799,000 | 49,684,000 | 50,065,000 | 50,634,000 |
| Total loans | 25,779,000 | 25,122,000 | 25,928,000 | 26,749,000 |
| Allowance for loan losses | 458,000 | 383,000 | 385,000 | 387,000 |
| Securities available for sale | 15,778,000 | 16,475,000 | 15,981,000 | 16,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,553,000 | 36,425,000 | 36,642,000 | 36,834,000 |
| Interest-bearing deposits | 33,297,000 | 33,244,000 | 33,569,000 | 33,583,000 |
| Noninterest-bearing deposits | 3,256,000 | 3,181,000 | 3,073,000 | 3,251,000 |
| Equity capital | 12,002,000 | 11,928,000 | 12,123,000 | 12,285,000 |
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 | 728,000 | 1,457,000 | 2,202,000 | 2,899,000 |
| Interest expense | 299,000 | 603,000 | 922,000 | 1,249,000 |
| Net interest income | 429,000 | 854,000 | 1,280,000 | 1,650,000 |
| Noninterest income | 65,000 | 146,000 | 216,000 | 307,000 |
| Noninterest expense | 324,000 | 662,000 | 1,004,000 | 1,354,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 170,000 | 338,000 | 492,000 | 603,000 |
| Income tax | 54,000 | 96,000 | 142,000 | 161,000 |
| Net income | 116,000 | 242,000 | 350,000 | 442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,754,000 | 6,869,000 | 6,945,000 | 6,997,000 |
| Total capital | 7,076,000 | 7,227,000 | 7,287,000 | 7,373,000 |
| Risk-weighted assets | 27,485,000 | 27,959,000 | 27,311,000 | 30,038,000 |
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