Call reports 2007
CITIZENS STATE BANK OF HAYFIELD — 2007
What CITIZENS STATE BANK OF HAYFIELD 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 | 50,455,000 | 56,007,000 | 53,805,000 | 55,068,000 |
| Total loans | 42,827,000 | 46,137,000 | 46,963,000 | 45,285,000 |
| Allowance for loan losses | 380,000 | 391,000 | 529,000 | 348,000 |
| Securities available for sale | 2,664,000 | 3,110,000 | 2,828,000 | 3,287,000 |
| Securities held to maturity | 205,000 | 205,000 | 205,000 | 205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,410,000 | 49,708,000 | 44,592,000 | 49,244,000 |
| Interest-bearing deposits | 38,137,000 | 42,544,000 | 37,830,000 | 39,169,000 |
| Noninterest-bearing deposits | 6,273,000 | 7,164,000 | 6,762,000 | 10,075,000 |
| Equity capital | 4,313,000 | 4,424,000 | 4,448,000 | 4,571,000 |
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 | 910,000 | 1,893,000 | 2,886,000 | 3,926,000 |
| Interest expense | 348,000 | 699,000 | 1,073,000 | 1,411,000 |
| Net interest income | 562,000 | 1,194,000 | 1,813,000 | 2,515,000 |
| Noninterest income | 77,000 | 165,000 | 247,000 | 336,000 |
| Noninterest expense | 431,000 | 874,000 | 1,310,000 | 1,874,000 |
| Provision for loan losses | 9,000 | 18,000 | 161,000 | 241,000 |
| Pretax income | 199,000 | 467,000 | 589,000 | 736,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 198,000 | 466,000 | 588,000 | 735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,343,000 | 4,462,000 | 4,468,000 | 4,575,000 |
| Total capital | 4,723,000 | 4,853,000 | 4,997,000 | 4,923,000 |
| Risk-weighted assets | 43,638,000 | 47,444,000 | 47,389,000 | 46,153,000 |
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