Call reports 2007
CITIZENS ALLIANCE BANK — 2007
What CITIZENS ALLIANCE 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 | 263,376,000 | 345,717,000 | 339,693,000 | 338,449,000 |
| Total loans | 178,794,000 | 221,115,000 | 225,430,000 | 227,881,000 |
| Allowance for loan losses | 2,032,000 | 2,953,000 | 2,401,000 | 2,477,000 |
| Securities available for sale | 54,121,000 | 77,198,000 | 75,313,000 | 67,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,888,000 | 292,275,000 | 283,953,000 | 282,127,000 |
| Interest-bearing deposits | 139,909,000 | 197,706,000 | 189,515,000 | 197,064,000 |
| Noninterest-bearing deposits | 88,980,000 | 94,568,000 | 94,438,000 | 85,063,000 |
| Equity capital | 22,290,000 | 33,733,000 | 35,216,000 | 36,242,000 |
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 | 4,207,000 | 10,465,000 | 15,848,000 | 20,990,000 |
| Interest expense | 1,677,000 | 4,482,000 | 6,734,000 | 8,945,000 |
| Net interest income | 2,530,000 | 5,983,000 | 9,114,000 | 12,045,000 |
| Noninterest income | 316,000 | 724,000 | 1,093,000 | 1,493,000 |
| Noninterest expense | 1,370,000 | 3,754,000 | 5,503,000 | 7,144,000 |
| Provision for loan losses | 0 | 1,041,000 | 1,416,000 | 2,076,000 |
| Pretax income | 1,476,000 | 1,912,000 | 3,288,000 | 4,318,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,476,000 | 1,912,000 | 3,288,000 | 4,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,561,000 | 29,295,000 | 30,047,000 | 30,582,000 |
| Total capital | 24,593,000 | 32,248,000 | 32,448,000 | 33,059,000 |
| Risk-weighted assets | 203,841,000 | 255,044,000 | 257,954,000 | 264,130,000 |
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